Terms & Conditions

‍Last Updated: 30 September 2024

1. Scope and Acceptance

1.1. Scope

1.1.1. These terms and conditions, composed of Part I (General Terms of Use) and Part II (Additional Terms of Use), (collectively, the “Terms”) govern your use of the following services (collectively, the “Services”) offered or managed by Coda Payments Pte. Ltd. (“Coda Singapore”) and/or its affiliates and subsidiaries (collectively referred to as “Coda” and “we”, “us” or “our”):

(a) The website (www.codapayments.com), along with access to it and all its links and functions;

(b) The Codashop mobile application, the Codashop website (www.codashop.com), and all other platforms through which Codashop is accessible (“Codashop”);

(d) Payment facilitation and/or reselling services via Codapay or Codashop, wherein you may make purchases from Coda, its third-party merchants (the “Publishers”), and/or payment channel partners (the “Payment Channels”), and make payments through payment methods made available by Coda on the abovementioned platforms;

(e) Codacash and all of its related services (“Codacash”); and/or

(f) Other Coda applications, websites and/or services that link to these Terms.

1.1.2. Please refer to Part II (Additional Terms of Use) below for Codacash terms applicable to the countries where it is available, versions of these Terms in both English and select local languages, as well as additional matters that may apply to the jurisdiction where you reside.

1.1.3. Unless specified otherwise in these Terms, the Terms are hereby entered into and agreed upon between you and Coda Singapore.

1.2. Acceptance

‍By using any of the Services, you consent to and accept these Terms and agree to be bound by them. IF YOU DO NOT ACCEPT OR AGREE TO THE TERMS, YOU SHOULD IMMEDIATELY STOP USING AND/OR ACCESSING THE SERVICES.

1.3. Amendments

Coda reserves the right to make changes at any time to these Terms or any of the policies or notices relating to its platforms, sites or applications. Such changes will be effective immediately upon publication on www.codapayments.com and www.codashop.com (the “Coda Sites”), or other Coda applications, websites, and/or platforms. Coda will also post a notice on these platforms to inform users of the new Terms, and the date of the last revision is set out at the top of the Terms. It is your responsibility to regularly check the abovementioned sites for the latest version of the Terms. Your continued use of the Services or any of the foregoing platforms following any changes to the Terms shall be deemed as continued acceptance of the revised Terms.

1.4. Updates

‍Coda may provide new features, upgrades, updates, patches, and other modifications to the Services (collectively, the “variations”). We may update, patch, or modify the Coda Sites, the mobile application, or any of our platforms remotely. You hereby grant to Coda the right to deploy and apply such variations. All provisions of these Terms of Service shall also apply to all such variations.

Part I GENERAL TERMS OF USE

2. Use of the Services

2.1. Application of Terms through use

‍These Terms shall apply regardless of how you access or use any of the Services, including but not limited to mobile devices, desktop devices, mobile applications, internet browsers, or any other device, application, or software.

2.2. License for use

2.2.1. Coda grants you a non-exclusive, non-transferable, limited right and license to access and use the Coda Sites and/or the Services for your personal and non-commercial use, subject to these Terms.

2.2.2. Coda reserves the right to terminate such license without prior notice to you, if it is found that your use of the Services violates these Terms.

2.3. Access and use of Services and Coda Sites

2.3.1. The Services allow you to purchase certain digital content, such as gift codes, app/game credits, and vouchers from Coda or its Publishers via the Coda Sites or through the Publishers’ sites or platforms, and make payment for such purchases through the Payment Channels by:

(i) Redeeming or consuming prepaid mobile credits issued by your mobile network operator;

(ii) Having the value of such purchase added to your postpaid mobile bill issued by your mobile network operator; or

(iii) Using one of the other payment options offered by Coda’s payment channel partners, such as e-wallets, voucher redemptions, over-the-counter payments at participating convenience stores, credit cards, and bank transfers.

For credit card or bank transfer payments, any banking or credit card details that you provide are collected directly by the Payment Channels who are the relevant banking institutions, card issuers, or card aggregators. These details are not collected, stored, or processed by Coda.

2.3.2. Purchases made using the Services will be in one of two forms, where:

(a) You purchase gift codes, in-app/game credits, and vouchers directly from third-party Publishers (“Publisher Codes”) as the merchant on record, and Coda provides facilitation services to the Publishers by processing and collecting payments for the purchased Publisher Codes for and on the Publishers’ behalf;

(b) Coda resells the Publisher Codes directly to you, as the merchant on record.

2.4. Payment facilitation and digital content reselling services

2.4.1. You initiate and make a purchase by choosing to purchase Publisher Codes via (i) the relevant Publisher’s site or mobile platform, where you will be routed to the Coda Sites to make payment; or (ii) Codashop.

2.4.2. To make payments via the Services, you must have a valid and eligible mobile phone account with one of our partner mobile network operators or a valid payment instrument issued or recognised by the Payment Channels.

2.4.3. You are fully liable for the use of your payment accounts or instruments via the Services. You acknowledge and accept that Coda has no liability for any unauthorised use or access by third persons of your accounts or your payment instruments.

2.4.4. Coda, the Publishers, and/or the Payment Channels reserve the right and discretion to reject or decline any transaction for any reason or set limits on transaction types and/or amounts.

2.5. Publisher Codes

In respect of Publisher Codes purchased through any of the Coda Sites or using any of the Services, the relevant Publishers that issued the purchased Codes, and not Coda, are solely responsible for redeeming the Codes, and for providing goods or services to you in exchange. Unless otherwise noted on the relevant product information page on the Coda Sites, Publisher Codes do not expire.

2.6. Modification of Services

‍Coda reserves the right to change, modify, suspend or discontinue the Services in part or whole at any time, with or without notice to you. Any changes or modifications may be reflected in these Terms according to the section on Amendments.

2.7. Taxes, charges, and fees

‍You are responsible for any taxes, duties, currency exchange fees, data charges, and related charges on purchases that you make as a result of or in the course of using any of the Coda Sites or Services.

2.8. Disputes handling

If you are dissatisfied with any Publisher Codes purchased using the Services, or if you believe that you have been charged in error, please directly contact the following in order to resolve the issue:

(a) Coda, for purchases made on Codashop; or

(b) the Publisher, for all other transactions.

If you are unable to resolve the issue with the Publisher directly, you may file a dispute or complaint against the Publisher with us. You must not make any false or misleading statements when filing, or during the subsequent investigation of, a dispute. Coda will investigate all disputes that are filed with it and will make reasonable efforts to resolve them. However, the ultimate resolution of such disputes shall be at Coda’s sole discretion.

2.9. Error handling

As part of or separate from the dispute handling process, Coda may determine that a mistake has been made that affects you. If Coda determines that you have been incorrectly charged or overcharged, Coda will credit your account or otherwise arrange for a refund to rectify the mistake. If Coda concludes that you were not charged when you ought to have been, or that you have been undercharged, Coda may debit or charge your account or otherwise collect a payment to rectify the mistake accordingly.

3. Consumer Protection

3.1. Product Descriptions

‍Coda takes every effort to ensure that the product descriptions on Codashop are as accurate as possible. However, to the extent permitted by law, we do not warrant that such product descriptions are complete and accurate.

3.2. Refunds

‍You acknowledge and understand that transactions successfully made using any of the Coda Sites or Services are final. No returns will be accepted, and no refunds will be issued unless expressly specified otherwise in these Terms. In the event that a refund will be made to you after dispute and/or error handling as outlined in the sections on Disputes and Error Handling, the time frame to credit the refund to your bank or payment service account shall depend on the Payment Channel used or your bank or payment service provider.

4. Codashop User Accounts

4.1. Account services

‍At your option, you may register for a Coda Account, which allows you to:

(a) Access certain reward schemes or promotions on Codashop;

(b) Track or keep records of purchase transactions you have made on Codashop; and

4.2. Account verification

‍If you sign up for a Coda Account, you confirm that you have provided Coda with complete and accurate information about yourself for verification purposes, and that you are responsible for maintaining the confidentiality of your Coda Account, its password, and all activities that occur under your Coda Account. In the event of any unauthorised access to your Coda Account, you shall notify Coda immediately.

4.3. Transaction history

‍You may access a record of all your successful and failed purchases or top-ups on your Coda Account page at www.codashop.com. If there is any mistake or missing information, please contact us via the Help Center. We will take the steps necessary to resolve the matter as soon as reasonably practicable.

4.4. Closure or suspension of Coda Account due to breach

‍Coda reserves the right at its sole discretion to permanently close or suspend your Coda Account or your access to it at any time if:

(a) You attempt to engage in, or indirectly or directly engage in any conduct prohibited under these Terms;
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(b) You breach any clause of these Terms, and if the breach may be remedied, you fail to do so within thirty (30) days from receiving written notice from Coda specifying such breach;

(d) You become or are subject to bankruptcy proceedings;

(e) You have provided us with false or inaccurate information and have failed to provide us with the true or correct information within fifteen (15) days from receiving written notice from Coda requesting such information;

(f) Coda has determined that the security of your Coda Account has been compromised, or your account has been accessed in an unauthorised manner, and you fail to take action within five (5) days from receiving written notice from Coda specifying the required corrective actions;

(g) You fail to comply with these Terms or any additional terms that apply to the Services.

4.5. Voluntary closure of Coda Account by user

‍You can choose to close your Coda Account permanently, at any time and for any reason, upon giving thirty (30) days of prior written notice to Coda via www.codashop.com. All transactions that you have made prior to such closure must be paid, and Coda reserves the right to deduct from your balance any unpaid fees, surcharges, or costs that you may have incurred before closing your Coda Account.

5. User Content

5.1. User Content. You are responsible for all content that you transmit, publish, share, send, or post, whether publicly or privately (the “User Content”), on Coda platforms. Coda does not assume any responsibility or liability for the User Content, and it has no obligation to constantly monitor, moderate, or review the User Content. However, Coda may remove User Content that violates these Terms upon request by any other user or at its own discretion.

5.2. No misrepresentation. You shall not misrepresent your identity, impersonate any person or entity, or mislead other users as to the origin of the User Content that you transmit, publish, share, send, or post.

5.3. User Content restrictions. You shall not transmit, publish, share, send, or post User Content that:

(a) Harasses, bullies, or threatens other users, persons, or groups;
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(b) Discriminates or promotes hate and/or violence against other users, persons, or groups, including on the basis of ethnicity, race, gender, sex, religion, disability, or any other identity trait or vulnerability;

(d) Is offensive, obscene, graphic, or sexually explicit;

(e) Violates the prohibitions on user conduct as set out in the section on User Obligations;

(f) Infringes upon intellectual property rights in any way or violates the section on Use and Ownership of Intellectual Property;

(g) Invades the privacy of other users or persons in any way or violates the section on Personal Data and Confidential Information;

(h) Violates any other provision of these Terms or is in any way illegal or unlawful;

5.4. Rights over User Content. You represent and warrant that (i) you own or have the rights to transmit, publish, share, send, or post the User Content; and (ii) the User Content does not violate these Terms and any relevant laws or regulations applicable in your jurisdiction.

5.5. Removal of User Content. You accept and agree that Coda may remove your User Content if it violates this section or any part of these Terms, without prejudice to Coda’s discretion to suspend or close your Coda Account.

6. User Obligations

6.1. In respect of your purchases, you confirm that: (i) you are purchasing the Publisher Codes via the Services for your own exclusive and personal consumption; (ii) you shall have no right to reproduce, replicate, distribute or otherwise exploit any content, goods or services provided to you; and (iii) you at all times comply with all applicable laws, rules and regulations in your purchase and use of the Publisher Codes.

6.2. In using any of the Services, you shall not carry out any of the following acts, nor use the Services to engage in the following acts:

6.2.1. Fraud and unlawful conduct

(a) Use the Services in any way that violates any applicable law, ordinance, or regulation, or for any unlawful purpose;
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(b) Use the Services to violate, intentionally or unintentionally, any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation including without limitation laws and requirements (whether or not having the force of law) relating to anti-money laundering or counterterrorism;
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(c) Use the Services to impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity;
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(d) Disguise your origin, place of residence or any identifiers, intentionally or otherwise, to get around any geographical restrictions or avoid terms that apply to a specific country, to purchase products and/or services not available or applicable in your country of residence, or for any other unlawful purpose;
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(e) Remove any proprietary notices from the Services;
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(f) Charge others to use the Services;
(g) Use the Services for any commercial purpose or the benefit of any third-party or any manner not permitted by the licenses granted herein; or
(h) Use the Services for any fraudulent purposes.

6.2.2. Abuse, harassment, and interference with user experience

(a) Interfere with any other users’ use of the Services;

(b) Interfere with, manipulate, or disrupt the Services or servers or networks connected to the Services or any other users’ use and enjoyment of the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services;

(c) Disrupt the normal flow of dialogue or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges;

(d) Upload, post, email, transmit, or otherwise make available to any other user or person any material that contains software viruses, worms, Trojan horses or any other computer code, routines, files, or programs designed to directly or indirectly interfere with, manipulate, interrupt, destroy or limit the functionality or integrity of any computer software or hardware or data or telecommunications equipment;

(e) Upload, post, email, transmit, or otherwise make available any unsolicited or unauthorised advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other unauthorised form of solicitation; or

(f) Upload, post, email, transmit, or otherwise make available any content through the Services that is unlawful, harmful, threatening, abusive, harassing, alarming, distressing, tortuous, defamatory, vulgar, obscene, libellous, invasive of another’s privacy, hateful, or discriminatory, or otherwise objectionable.

6.2.3. Damage to Coda’s business, platforms, or Services

(a) Attempt to harm, disrupt, or otherwise engage in activity that diminishes the business and reputation of Coda and the capacity of the Coda Sites to serve other users, or hamper or interrupt the provision by Coda of the Services in any way;

(b) Attempt to decompile, reverse engineer, disassemble or hack the Services (or any portion thereof), or to defeat or overcome any encryption technology or security measures established by or for the benefit of Coda with respect to the Services and/or any data transmitted, processed or stored by Coda;

(c) Attempt to gain access to any account, computers, or networks related to the Coda Sites and Services without proper authorisation; or

(d) Take any action or engage in any conduct that could directly or indirectly damage, disable, overburden, interfere with, or impair the Services or the servers or networks connected to the Services.

6.2.4. You understand that the enumeration of acts above is not exhaustive, and that acts analogous to those enumerated above, or those that are unlawful, fraudulent, abusive, or damaging in a similar manner, shall also be prohibited.

7. Use and Ownership of Intellectual Property

7.1. Coda owns or holds all necessary licenses to all intellectual property rights (including all existing and future copyright, trademarks and patent rights) in all information, text, material, graphics, logos, icons, sound recordings, software and source code on the Coda Sites, including the platforms through which Coda provides you the Services (“Subject Matters”).

7.2. Unless provided otherwise in these Terms, all third-party content on the Coda Sites is owned by or licensed to Coda in accordance with the relevant laws.

7.3. Except as expressly authorised by these Terms, you have no right, title, or interest in or to the Subject Matters. You may not, without our express written permission (or that of our suppliers or licensors, where applicable), in any form or by any means:

(a) Adapt, reproduce, modify, display, perform, publish, distribute, disseminate, broadcast, circulate, or create derivative works from any of the Subject Matters (including, without limitation, the display and distribution of any of the Subject Matters via third-party websites or other networked computer environment); or

(b) Commercialise any information, goods or services from or in connection with any of the Subject Matters.

8. Personal Data and Confidential Information

8.1. Privacy Policy

‍Coda may access, collect, disclose, and/or process your personal data in the course of providing you with the Services. You acknowledge, accept, and understand that such access, collection, disclosure, and/or processing shall be in accordance with Coda’s Privacy Policy.

8.2. User obligations relating to personal data

In using the Services, you agree not to in any way:

(a) Harvest or collect any information about or regarding other users or persons, including without limitation any personal data or information;

(b) Use the Services to collect or store personal data about other users or persons in connection with the prohibited conduct and activities set forth in the section on User Obligations; and

8.3. Confidential information

‍You shall not upload, post, email, transmit, or otherwise make available through the Services any content that you do not have a right to make available under any law or under any contractual or fiduciary relationships (such as inside information or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).

9. Indemnification and Liability

9.1. Indemnification

You agree to indemnify, defend, and hold harmless, Coda, its affiliates and subsidiaries, and their respective officers, directors, employees, agents, licensors, representatives, and third-party providers, from and against any and all claims, actions, proceedings, losses, liabilities, expenses, damages, and costs, including but not limited to attorneys’ fees, arising out of or in connection with your use of the Services and/or any violation by you of these Terms.

9.2. Limitation of liability

9.2.1. To the maximum extent permitted by applicable law, Coda and its respective employees, directors, agents, and representatives will not be liable for any indirect, incidental, punitive, or consequential damages arising out of or in connection with your use of the Coda Sites and/or the Services (including the inability to use the Services), or any Publisher Codes purchased or transactions entered into via the Services.

9.2.2. To the extent permitted by applicable laws, in no event will the aggregate liability of Coda and its respective employees, directors, agents, and representatives arising out of or in connection with these Terms or the transactions contemplated herein, whether in contract, tort (including negligence, product liability, or other theory), warranty, or otherwise, exceed the amount of payment that you have made via the Services, in respect of the transaction giving rise to the claim for liability.

9.2.3. Coda shall in no event be liable to you for any failure or delay by Coda or its employees, agents, or representatives to perform its obligations under these Terms, regardless of whether the failure or delay is caused by an event or condition beyond its control. The laws of some jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you may have rights in addition to those contained in these Terms. Coda’s liability is limited to the greatest extent permitted by law.

9.2.4. Notwithstanding any law, rule or regulation to the contrary, you agree that any claim you may have arising out of these Terms must be brought or filed before the relevant tribunal in the jurisdiction where you are located within one (1) year after such claim could be first filed. Any claims brought after such period shall be forever barred.

10. No Warranty and Disclaimer

10.1. The Services are provided on an “as is” basis. We do not guarantee that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful computer software.

10.2. To the fullest extent permitted by applicable law, Coda makes no representations or warranties of any kind, express or implied, regarding the Coda Site or the Services, including without limitation, any implied warranties of merchantability, fitness for a particular purpose, and non-infringement of third-party rights.

10.3. Coda has no control over the quality, fitness for purpose, safety, reliability, legality, or any other aspect of any good or service provided by a Publisher that you purchase using the Services. Except as otherwise indicated in these Terms, Coda shall not be obliged to issue refunds if a purchase does not meet your expectations, or if the relevant Publisher does not fulfil its commitments, although Coda will make reasonable efforts to assist you in these matters as described under the sections on Disputes and Error Handling. Coda has no obligation, and cannot guarantee, that it will resolve any disputes related to your transaction to your satisfaction.

10.4. Coda may, at its sole discretion and at any time, suspend or terminate your access to or disable your use of the Services and/or the Coda Sites for any reason without prior notice to you, including if Coda suspects fraud, illegal, unauthorised or improper conduct on your part, or if you have breached any part of these Terms. Coda may also impose limits on the type and/or amount of transactions you are allowed to make using the Services at any time in our sole discretion without prior notice.

10.5. You agree and understand that the availability of the Services is dependent on the network and systems availability of our service providers, the Payment Channels, the Publishers, and/or our affiliates and subsidiaries.

10.6. The Services and/or any of the Coda Sites may from time to time be delayed, interrupted or disrupted for an indeterminate period of time. In the event of any of the abovementioned circumstances, Coda shall not be liable for any claims arising from or in connection with any such delays, interruptions, disruptions, limitations, suspensions, termination or the like to the Services and/or the Coda Sites.

11. General Provisions

11.1. Links to third-party sites

Links to third-party sites provided through the Services may lead you to leave the Coda Sites. Please note that the linked sites may not be under the ownership or control of Coda in any manner whatsoever, and you therefore access them at your own risk. Coda is not responsible for the contents, terms of use, or privacy practices of any such linked site, or any link contained within a linked site, including any changes or updates to such sites. The inclusion of any third-party link does not in any way imply or express affiliation, endorsement, or sponsorship by Coda of any linked site and/or any of its content therein.

11.2. Notices

‍We may make any notices that we may be required by law to make in electronic format (such as but not limited to when you visit the Coda Sites or platforms, via forms or emails, when Coda posts notices or updates to these Terms, or when Coda communicates with you via your email or mobile phone number). You consent to receive communications from us in electronic form and agree that all terms and conditions, notices, rules, disclosures, policies, and other communications from Coda provided electronically to you shall be deemed to satisfy any legal requirement relating to communications in writing and shall be deemed to be given on the date of the electronic communication.

11.3. No waiver

Coda’s failure or delay in enforcing any right or provision under these Terms shall not be construed as a waiver or limitation of its right to subsequently enforce these Terms and compel strict compliance therewith.

11.4. No endorsement

References to goods, services, and/or businesses on any of the Coda Sites do not constitute or imply an endorsement, approval or recommendation by Coda of those goods, services and/or businesses.

11.5. Termination

Coda may, at its sole discretion, terminate your access to any of the Coda Sites, the Services, and/or your Coda Account if you breach any of the Terms. In the event of termination, the provisions of the section on Indemnification and Liability shall survive.

11.6. Security

Coda takes all reasonable steps to preserve the security of the information that you provide to it. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Whilst Coda strives to protect all data transmissions over the Internet (including your information) and has adopted substantial measures to mitigate security risks, Coda does not warrant and cannot ensure the absolute security of any information which you transmit to Coda. As such, any information which you transmit to Coda is transmitted at your own risk.

11.7. Relationship

Nothing in these Terms is intended to or creates any type of joint venture, employee-employer, creditor-debtor, escrow, partnership, or any fiduciary relationship between you and Coda.

11.8. Assignment

You may not assign any of your rights or obligations under these Terms, or any part of it, to any other party without our prior written approval. Any attempt by you to do so without our prior written approval shall be deemed null and void. We are, however, entitled to assign these Terms and/or any of our obligations, in whole or in part, at any time, to any Coda affiliate or subsidiary or any third party, with or without notice to you.

11.9. Localised terms

These Terms were prepared in English. To the extent that any translated localised version of the Terms conflict with the English version, the terms of the English version prevail. For localised terms for select jurisdictions, please refer to Part II (Additional Terms of Use).

11.10. Entire agreement

These Terms constitute the entire agreement between you and Coda, and supersede and cancel all prior and contemporaneous agreements, claims, representations, and understandings relating to the subject matter of these Terms. No modification or amendment of these Terms will be binding on Coda unless agreed to by Coda, set forth in writing, and published in the same manner as previously binding versions.

11.11. Separability

‍If any of the provisions of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

11.12. Governing law

Unless otherwise stated in Part II (Additional Terms of Use):

11.12.1. These Terms shall be governed by and construed according to the laws of Singapore without regard to its conflicts-of-law provisions.

11.12.2. We (or the relevant Coda entity) shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts shall fail, such dispute shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the Arbitration Rules of the SIAC (“SIAC Rules”) for the time being in force, which rules are deemed to be incorporated by reference into this section on Governing Law. The seat of arbitration shall be Singapore, and the Tribunal shall consist of one (1) arbitrator. All arbitration proceedings shall be in the English language. The decision of the arbitrator shall be final and binding.

12. User Declarations

12.1. Age

‍The Services are not directed to persons under the age of majority in your country (a “minor”). Subject to specific age restrictions imposed in your country, and unless otherwise set forth in these Terms, permission and consent from a parent or legal guardian to use the Services is required for minors. By proceeding with the use of the Services, such parent or legal guardian will be deemed to have agreed to these Terms on the minor’s behalf and will be responsible for the use of the Services, including the creation and use of the minor’s Coda Account, purchases or transactions made by the minor, and whether or not the minor was under supervision during such purchase. As such, purchases cannot be cancelled on the ground that they were made without the permission, consent, and/or supervision of the parent or guardian.

12.2. Use for lawful purposes

‍You will use the Services for lawful purposes only and in accordance with these Terms and all applicable laws, rules, codes, directives, guidelines, policies and regulations.

12.3. Use of device

‍You warrant that you are using the Services or the Coda Sites on a machine or device over which you have ownership, or whose use by you has been authorised by the owner of such machine or device.

12.4. Use of payment instruments.

‍You are solely liable for the use of your selected payment instruments in connection with our Services, and Coda shall have no liability to you or to any third party for any unauthorized use of your payment instruments in connection with the Services.

13. Contact Us

For any requests or questions in connection with these Terms, you may visit our Help Center.

Part II ADDITIONAL TERMS OF USE

In addition to the General Terms of Use above, the following additional terms and conditions of use (“Additional Terms”) apply to specific Coda products and to users in the following countries. You may access a copy of the Terms, including the Additional Terms as applicable to your country, in both English and the respective local languages below.

ADDITIONAL TERMS OF USE FOR CODACASH

1. Scope and applicability. The provisions under this Section (the “Codacash Terms”) apply to all services related to Codacash, as offered by the Codacash Issuers in the Codacash Territories. These Codacash Terms shall apply only to users in the Codacash Territories, and shall be effective alongside the General Terms of Use provided above, as well as any Additional Terms specific to each Codacash Territory.
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2. Availability. Codacash is a closed loop e-wallet system only available to residents of the following countries (the “Codacash Territories”) and offered therein by the Coda subsidiaries enumerated below (the “Codacash Issuer”). Where required by local laws or regulations, the Codacash Issuers below have the authority and license to offer Codacash, Codashop, and related functionalities in the Codacash Territories.

Country/Region	Codacash Issuer
Indonesia	PT Coda Indonesia in partnership with PT Nusa Satu Inti Artha (Doku)
Korea	Coda Payments Korea Ltd.
Turkey	Coda Turkey Elektronik Hizmetleri ve Ticaret Anonim Sirketi
Thailand	Coda Payments (Thailand) Ltd.
Brazil	Coda Payments Brasil Intermediação De Pagamentos Ltda.
Malaysia	Aplikasi Coda Sdn. Bhd.
Philippines	Coda Payments Philippines Inc.

3. Codacash services

3.1. We offer Codacash as a payment method that you can use to purchase select products and/or services on Codashop. You must be logged in to your Coda Account and have sufficient balance (including to cover for any applicable taxes) to make a purchase using Codacash. The transaction will not be successful if you have insufficient balance in your Coda Account.

3.2. Your Account is specific to the Codacash Territory where you reside and is denominated in and equivalent to the local currency in that territory. You may use Codacash to buy only the products and/or services offered on Codashop in the Codacash Territory where you reside. You cannot use your Coda Account to purchase products and/or services from Codashop offered in another country.

3.3. Unless otherwise stated in these Terms, Codacash is not legal tender. Codacash shall be exclusive to you for your personal use and may not be resold, transferred for value, exchanged for cash, applied to any external account, or offered for sale, lease, or trading. You may not withdraw your Codacash balance or transfer the balance between Coda Accounts. You may only consume your balance by purchasing products and/or services on Codashop.

4. Codacash requirements

4.1. To top-up or make a purchase using Codacash, you must (i) sign-up for a Coda Account with your email address or mobile phone number or by linking a supported social media platform account, and (ii) verify your identity using your email address or mobile phone number.

4.2. The Codacash Issuer reserves the right to check your identity and request for proof of identification, or refuse your registration at its sole discretion, when (i) it is required by relevant government authorities to do so as part of anti-money laundering and anti-terrorist funding rules and regulations, (ii) necessary when unauthorised usage of your Coda Account is detected, or (iii) there is a dispute relating to the ownership of your Coda Account.

4.3. In order to use Codacash, you represent that you are:

(a) of majority age in your country, or if you are under such majority age, that you have obtained the consent of your parent or legal guardian and their acceptance of the Codacash Terms, particularly their agreement to take responsibility for your use of Codacash, your acceptance and compliance to the Codacash Terms, and any charges or fees associated with your use of Codacash;

(b) not prohibited by any law, condition, ordinance, or other requirements from creating a Coda Account and/or to use Codacash; and

4.4. We may require you to set-up a static PIN during the Coda Account registration, which you will use and enter before each purchase transaction or top-up. We may also need you to authenticate your transaction via a one-time password (“OTP”) that will be sent to your registered email address or mobile phone number. The Codacash Issuer reserves the right to impose other authentication requirements.

5. Top-ups

5.1. You may top up your Codacash wallet using the Payment Channels that are available for Codacash top-ups on Codashop. The relevant Codacash Issuer may decline your top-up request for any reason and at its sole discretion. The Codacash Issuer is not liable or responsible for a top-up that is not successfully processed by the Payment Channel you select. The top-up amount will be added to your Coda Account balance once the Codacash Issuer has confirmed that your payment is successful via a success message to your registered mobile number or email address.

5.2. The Codacash Issuer reserves the right to impose a limit on the value stored in your Coda Account or specify transaction limits on individual top-ups. This could be due to limitations imposed by the Payment Channels or by the relevant monetary authorities or central bank in your jurisdiction.

5.3. All Codacash wallet top-ups are final and non-refundable.

6. Completion of transaction. The purchase transaction amount will not be deducted against your Codacash balance in your Coda Account until the transaction on Codashop is confirmed successful. Thereafter, the purchased products and/or services will be delivered to you.

7. Refunds. We will not process any refunds for successful purchases made using Codacash. All transactions using Codacash are non-refundable unless required otherwise by law. If a refund is required by law in your jurisdiction, the Codacash Issuer shall at its sole discretion determine a transaction is refundable, but only if your purchase has not been consumed or redeemed. All refunds will be credited back into your Coda Account.

8. Rewards and benefits

8.1. We have the sole discretion to determine any rewards or benefits that you may be eligible to receive if you use Codacash to make payment for a purchase on Codashop. Rewards or benefits may include cashbacks (where a portion of your purchase value is credited to your Coda Account), bonuses to your purchase (such as grant of additional in-game credits or in-game items at no cost to you) or other ad hoc rewards through events or promotions.

8.2. These Codacash Terms apply to such rewards or benefits. However, Coda or specifically the Codacash Issuer reserves the right to impose other rules as it deems fit, and such rules will be posted on the Coda Sites or other platforms as we may determine. We encourage you to read the applicable rules and review our Privacy Policy, which, in addition to these Terms, apply to any information you submit in connection with the rewards, benefits, bonuses, and events and promotions.

9. Account security

9.1. You are responsible for your Coda Account’s security and all consequences resulting from the use or misuse of your Coda Account, PIN, OTP, or other related security credentials for Codacash. This security obligation includes safe-keeping your sign-in details and keeping your account information private from others. Lost or stolen accounts are your sole responsibility.

9.2. You agree that the use or purported use of Codacash using your Coda Account shall be deemed an authorised use of Codacash via your Coda Account. You agree to be bound by these Codacash Terms whether such use is authorised by you or not.

9.3. If there is or has been any fraudulent or unauthorised use of your sign-in details or account, loss of account access, or any other breach of security, you agree to immediately notify Coda by sending an e-mail to Codashop Customer Support. As soon as reasonably practicable, Coda will suspend your Coda Account, investigate your complaint or request, and respond to you. However, Coda disclaims responsibility for lost or stolen accounts and will not compensate you for any damages monetary or otherwise relating to the unauthorised use or access to your Coda Account.

10. Restricted activities. By using Codacash, you agree that you will not, directly or indirectly, engage in any conduct that breaches the User Obligations described in the section on Completion of Transaction, any other provision of these Terms, or any of the following restricted activities:

(a) Use Codacash or any of its features in any way not expressly permitted by Coda;

(b) Share your Coda Account details, PIN, or OTP with other persons;

(d) Interfere with Codacash in any way;

(e) Use Codacash in any activity involving sanctioned individuals, entities, or countries;

(f) Violate any applicable law, ordinance, or regulation through your use of Codacash; or

(g) Use your Coda Account or control a Coda Account that is engaging in any of the foregoing restricted activities.

The Codacash Issuer reserves the right to take legal action or claim against you concerning any breach of these Codacash Terms.

11. Additional grounds for closure or freezing of Coda Account. The Codacash Issuer may permanently close or temporarily freeze your Coda Account or your access to it (a) for the same grounds stated in the General Terms of Use in the section on Closure or Suspension of Coda Account Due to Breach, (b) for engaging in the restricted conduct identified in the preceding section, or (c) for any of the following:

(i) It is necessary to repair, maintain, or improve the Codacash function; or

(ii) The Codacash Issuer decides to cease offering Codacash.

12. Balance after freezing. If you temporarily freeze your Coda Account, your remaining unused Codacash balance will be maintained until you reactivate your account.

13. Balance after closure. Unless otherwise provided in these Terms, if your Coda Account is permanently closed, whether by Coda or by you voluntarily, all unused Codacash balance will immediately expire and be removed. You will not be entitled to any compensation, and the Codacash Issuer will not be liable to you for any loss of your Codacash balance.

ADDITIONAL TERMS OF USE – COUNTRY-SPECIFIC

Australia

1. Digital Product Compliance. You acknowledge and understand that any digital contents and/or Publisher Codes made available for sale on the Coda Sites do not constitute “financial products” as defined under the Corporations Act 2001 (Cth), and therefore do not fall under the provisions applicable to such products.

2. Scope of application. If you are residing in or located in Australia, these provisions (the “Australia Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

3. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Australia Technology Services Pty. Ltd. (“Coda AU”), having its registered address at Level 9, 63 Exhibition Street, Melbourne Vic 3000, and that the Terms are hereby entered into and agreed upon between you and Coda AU. Coda AU may be reached by users in Australia through email at support.au@codapayments.com.

4. Content distribution. Coda AU provides content distribution services in Australia via Codashop by selling the relevant Publisher Codes to you.‍

5. Services not to be used by children under 18. The Services are not directed to persons under the age of eighteen (18) in Australia (“minors”). By using these Services, you declare that you are not a minor.

6. Product information. Complete information on each Publisher Code offered on Codashop, including the price, available modes of payment, mode of delivery, and instructions for use, is stated on the individual product pages of each Publisher Code. Please read the product page carefully before making any purchase.

7. Digital content immediately delivered and/or consumed. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Your purchases cannot be cancelled, refunded, or replaced simply because you have changed your mind, or you have decided that you do not like what you have purchased. However, you have the right to raise valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use, or a valid claim against a consumer guarantee as set out in the next Section.

8. Warranties under Australian Consumer Law (ACL). The Publisher Codes come with guarantees that cannot be excluded under the ACL, and Section 10.3 of the General Terms of Use do not apply to you. To the extent applicable to the Publisher Codes, you are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

9. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of Australia without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes may be referred to the Courts of the State of Victoria, to the exclusion of all courts in any other venue.

Brazil

Leia os Termos e Condições em português aqui.

1. Scope of application. If you are residing in or located in Brazil, these provisions (the “Brazil Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore, having its registered address at 22 Cross Street #02-01 Singapore 048421, and that the Terms are hereby entered into and agreed upon between you and Coda Singapore. Coda Singapore may be reached by users in Brazil through email at suporte@codapayments.com.

3. Payments facilitation and content distribution. Coda Singapore (a) facilitates payments for purchases of digital content, and (b) provides content distribution services and sells the relevant Codes to you via Coda platforms.‍

4. Digital content immediately consumed upon purchase. When we provide you with certain digital content, the purchase is instantaneous and immediately consumable due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase and consumed or used the digital content or Publisher Code, it cannot be withdrawn or cancelled solely at will. Nonetheless, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

5. Additional provisions concerning Codacash

5.1. Codacash is offered locally by Coda Payments Brasil Intermediação De Pagamentos Ltda. (“Coda Brazil”). Coda Singapore does not offer and is not involved in the offer of Codacash in Brazil.

5.2. Your Codacash balance shall be denominated in and equivalent to Brazilian real (BRL).

‍5.3. No withholding tax for Codacash purchases. We will not deduct any taxes from your Codacash purchases’ gross price. You are solely responsible to pay any tax eventually applicable directly to the government, and you may be required to prove payment to a Brazilian authority.

6. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of the Federative Republic of Brazil without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes shall be referred to the jurisdiction of the courts of the City of São Paulo, State of São Paulo, to the exclusion of all courts in any other venue, except for complaints filed by users classified under the law as consumers, who may file such complaints with the court with jurisdiction over their domicile.

Cambodia

សូមអានលក្ខខណ្ឌជាភាសាខ្មែរនៅទីនេះ។

1. Scope of application. If you are residing in or located in Cambodia, these provisions (the “Cambodia Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore. Coda Singapore has its registered address at 21 Tanjong Pagar Road, #03-01/02 Singapore 088444. You hereby understand that the Terms are hereby entered into and agreed upon between you and Coda Singapore. Users in Cambodia may reach Coda Singapore through email at support.kh@codapayments.com

3. Payments facilitation and content distribution. Coda Singapore (a) facilitates payments for purchases of digital content, and (b) provides content distribution services and sells the relevant Codes to you via Coda platforms.‍

European Union (EU)/European Economic Area (EEA), Switzerland and United Kingdom (UK)

Read the Terms and Conditions for the EU/EEA, Switzerland, and UK here.‍

Čeština: Všeobecné podmínky v češtině si přečtěte zde.

Dansk: Læs vilkårene og betingelserne på dansk her.

Deutsch: Hier können Sie die Nutzungsbedingungen auf Deutsch lesen.

Español: Lea los Términos y condiciones en español aquí.

Francais: Lisez les Conditions générales en français ici.

Italiano: Leggere i Termini e condizioni in italiano qui.

Limba română: Citiţi Termenii şi condiţiile în limba română aici.

Magyar: Olvassa el a Használati feltételeket magyar nyelven itt.

Nederland: Lees hier de algemene voorwaarden in het Nederlands.

Norsk: Les vilkårene på norsk her.

Polski: Warunki w języku polskim są dostępne tutaj.

Português: Leia os Termos e Condições em português aqui.

Svenska: Läs villkoren på svenska här.

Indonesia

Silakan merujuk pada link ini sehubungan dengan Syarat dan Ketentuan penggunaan Layanan dalam Bahasa Indonesia.

1. Scope of application. If you are residing in or located in Indonesia, these provisions (the “Indonesia Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by PT Coda Indonesia, having its registered address at Sopo Del Tower Lt. 22, Jalan Mega Kuningan Barat III Lot 10.1-6, Jakarta Selatan 12950, Indonesia (“Coda Indonesia”), and that the Terms are hereby entered into and agreed upon between you and Coda Indonesia. Coda Indonesia may be reached by users in Indonesia through email at support.id@codapayments.com or link at https://support.id.codapayments.com/hc/id-id.

3. Payment facilitation and content distribution. Coda Indonesia (a) facilitates payments for purchases of digital content, and (b) provides content distribution services and sells the relevant Codes to you via Coda platforms. Coda Indonesia does not involve in the initiation, authorisation, clearing, and settlement of payment transactions that are carried out directly by the relevant Payment Channels available on Coda platforms, and Coda Indonesia does not collect and/or store any of your credentials data (such as PIN or cvv code of your card) provided to the relevant Payment Channels when you make purchases on Coda platforms. Further, Coda Indonesia does not offer physical/tangible goods or products for the provision of the Services.

4. No returns; limitation on refunds. When we provide you with certain digital content, the purchase is instantaneous and immediately consumable due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase and consumed or used the digital content or Publisher Code, it cannot be withdrawn or cancelled solely at will. Nonetheless, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use within two (2) business days after the transaction date by submitting sufficient supporting evidence and subject to our review.

5. Use of Services by persons under 21. The Services are not directed to persons under the age of twenty one (21) in Indonesia, are not married or under guardianship (“minors”) and may not be used by such minors without the permission and consent of their parent or lawful guardian. You hereby waive every right under the applicable law to cancel or revoke any and all consents that you have been given based on these Terms when you are considered as an adult under the applicable law.

6. Additional provisions concerning Codacash

6.1. Codacash in Indonesia is provided by Coda Indonesia in partnership with PT Nusa Satu Inti Artha (Doku). Coda Singapore does not offer and is not involved in the offer of Codacash in Indonesia.

6.2. Your Codacash balance shall be denominated in and equivalent to Indonesian Rupiah (Rp).

6.3. Balance limit. We do not carry out further verification of your Codacash registration process, therefore, you can only (i) top up for a maximum balance of Rp2,000,000.- (two million Rupiah), and (ii) have a maximum incoming funds per month of Rp20,000,000.- (twenty million Rupiah) from your total top ups, cashbacks received, and/or redemption of gift codes/vouchers (where applicable).

6.4. Not a savings account. Your balance at Codacash does not constitute savings pursuant to the applicable banking regulations, it is not subject to any protection given by Indonesian Deposit Insurance Agency (Lembaga Penjamin Simpanan), and it is not entitled for any interests or benefits commonly attached to a bank account savings.

6.5. Execution of purchase transactions. Any confirmed purchase transaction from you and processed for payment execution cannot be cancelled and we have full rights to verify and to decide on requests for cancellation on a case by case basis. You hereby grant us the authorization to debit your account balance upon purchase instruction and OTP verification in order to execute the purchase transaction whereby such authorisation is hereby irrevocable and shall not terminate due to any reasons as referred to Articles 1813, 1814, and 1816 of Indonesian Civil Code to the extent you still use Codacash services.

7. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of the Republic of Indonesia without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes shall be referred to the jurisdiction of the District Court of Jakarta Selatan, to the exclusion of all courts in any other venue, except for complaints filed by users classified under the law as consumers, who may file such complaints with the court with jurisdiction over their domicile.‍

Japan

ここで日本向けの利用規約をお読みください。

Malaysia

Baca Terma dan Syarat dalam Bahasa Melayu di sini.

1. Scope of application

1.1. If you are residing in or located in Malaysia, these provisions (the “Malaysia Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use. You accept and understand that you are entering into these Terms with both Coda Singapore and Aplikasi Coda Sdn. Bhd. (“Coda Malaysia”), the local subsidiary in Malaysia, except as provided in the succeeding paragraph.

1.2. You further accept and understand that your agreement with respect to Codacash, the Codacash Terms, and the additional provisions concerning Codacash below is with Coda Malaysia, and that Coda Singapore is not a party to such agreement.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore and, with respect to Codacash, Coda Malaysia. Coda Malaysia has its registered address at 36B 2nd Floor Jalan Tun Mohd Fuad 2, Taman Tun Dr Ismail, 60000, Kuala Lumpur, W.P. Kuala Lumpur, Malaysia, with Business Registration No. 201301038575. It may be reached through email at support.my@codapayments.com.

3. Payment facilitation and content distribution services. Either Coda Singapore or Coda Malaysia may provide (a) payment facilitation services for purchases of digital content, or (b) content distribution services and sell the relevant Codes to you via Coda platforms.

4. Intermediary services for specific products. Specific to Google Play Gift Card and Roblox vouchers, Coda Malaysia provides intermediary services to you, as a sub-agent of Google Payment Malaysia Sdn. Bhd. (“Google”) and Roblox Corporation (“Roblox”), respectively. You acknowledge that: (a) each of Google and Roblox is responsible for the sale and distribution of their relevant vouchers purchased by you via Coda platforms; and (b) the terms of services issued by Google or Roblox, as applicable, shall govern your purchase and use of the vouchers. You further acknowledge that Coda Malaysia is not a party to the sales contract between you and Google or Roblox, as applicable.

5. No returns; limitation on refunds. When we provide you with digital content, the transaction is instantaneous, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, any implied guarantees regarding goods shall not be applicable, and no right of redress or remedies such as, but not limited to, replacement, repair, return, or damages shall therefore apply. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

6. Additional provisions concerning Codacash

6.1. Codacash is offered locally by Coda Malaysia. Coda Singapore does not offer and is not involved in the offer of Codacash in Malaysia.

6.2. Your Codacash balance shall be denominated in and equivalent to Malaysia ringgit (MYR).

7. Governing law. These Terms shall be governed by and construed according to the laws of Malaysia, without regard to its conflicts-of-law provisions. We shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts shall fail, such dispute shall be referred to and finally resolved by arbitration administered by the Asian International Arbitration Centre (“AIAC”) under the Arbitration Rules of the AIAC for the time being in force, which rules are deemed to be incorporated by reference into this section. The seat of arbitration shall be Kuala Lumpur, and the Tribunal shall consist of one (1) arbitrator. All arbitration proceedings shall be in the English language. The decision of the arbitrator shall be final and binding.

New Zealand

1. Scope of application. If you are residing in or located in New Zealand, these provisions (the “NZ Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore, and that the Terms are hereby entered into and agreed upon between you and Coda Singapore. Coda Singapore may be reached through email at support.nz@codashop.com.

3. Content distribution. Coda Singapore provides content distribution services in New Zealand and sells the relevant Codes to you via Codashop.

4. Binding and enforceable. You understand and accept that these Terms constitute a binding and enforceable contract between you and Coda Singapore, and that the rights and obligations set out in these Terms shall be effective between you and Coda Singapore when you signify your acceptance.

5. Right of refund/withdrawal/cancellation not applicable. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, it cannot be withdrawn, cancelled, refunded, or replaced solely at will or because you have changed your mind or you have decided that you do not like what you have purchased. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in Section 2.8 (Disputes handling) and 2.8 (Error Handling) in the General Terms of Use, or from raising valid claims in accordance with the Consumer Guarantees Act (CGA) under the immediately succeeding section.

6. Warranties under the Consumer Guarantees Act (CGA). The CGA provides for certain guarantees that cannot be waived, giving consumers the right of redress for faulty goods. Therefore, Section 10.3 of the General Terms do not apply to you. If the Publisher Codes you have purchased are faulty to the extent that they cannot be used in the way they were intended, without your fault or negligence, please contact our Customer Support team, so that they may assist in investigating your concern and process a remedy for you if your claim is valid.

7. Use of Services by children under 18. The Services are not directed to persons under the age of eighteen (18) in New Zealand and may not be used by them without the permission and consent of their parent or guardian.

Philippines

1. Scope of application

1.1. If you are residing in or located in the Philippines, these provisions (the “Philippines Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use. You accept and understand that you are entering into these Terms with Coda Payments Philippines Inc. (“Coda Philippines”), the local subsidiary in the Philippines.

1.2. You further accept and understand that your agreement with respect to Codacash, the Codacash Terms, and the additional provisions concerning Codacash below is with Coda Philippines, and that Coda Singapore is not a party to such agreement.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Philippines, with its registered address at Unit A, 29^th Floor, Rufino Pacific Tower, 6784 Ayala Avenue Corner V.A. Rufino Street, Makati City, Philippines, and Business Registration No. 202008000125908. It may be reached through email at support.ph@codapayments.com.

3. Payments facilitation and content distribution. Coda Philippines (a) facilitates payments for purchases of digital content, and (b) provides content distribution services and sells the relevant Codes to you via Coda platforms.

4. No returns; limitation on refunds. When we provide you with digital content, the transaction is instantaneous, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, no return is possible, and no refunds may be made. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

5. Additional provisions concerning Codacash

5.1. Codacash is offered locally by Coda Philippines. Coda Singapore does not offer and is not involved in the offer of Codacash in the Philippines.

5.2. Coda Philippines is an Operator of a Payment System licensed by the Bangko Sentral ng Pilipinas. It is not a bank, e-money issuer, or money transferor, and it does not require a license to operate Codacash in the Philippines.

5.3. Your Codacash balance shall be denominated in and equivalent to Philippine peso (PHP).

5.4. Where Coda has terminated your Coda Account for any reason, or if you voluntarily terminate your Coda Account for any reason, Coda shall, as soon as reasonably practicable, grant you the right to consume a product and/or service of your choice that is equivalent in value to your unused balance. You shall not be entitled to any other compensation from Coda. For avoidance of doubt, this paragraph shall apply in lieu of the section of the Codacash Terms on Balance After Closure.

6. Governing law. These Terms shall be governed by and construed according to the laws of the Republic of the Philippines, without regard to its conflicts-of-law provisions. We shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts shall fail, such dispute shall be referred to and finally resolved by arbitration administered by the Philippines Dispute Resolution Center Inc. (“PDRCI”) under the Arbitration Rules of the PDRCI for the time being in force, which rules are deemed to be incorporated by reference into this section. The seat of arbitration shall be Makati City, the Philippines, and the Tribunal shall consist of one (1) arbitrator. All arbitration proceedings shall be in the English language. The decision of the arbitrator shall be final and binding.

Saudi Arabia

الشروط والأحكام باللغة العربية هنا.

1. Scope of application. If you are residing in or located in the Kingdom of Saudi Arabia (“KSA”), these provisions (the “KSA Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use. You accept and understand that you are entering into these Terms with Coda Arabia for Information Technology (“Coda KSA”), the local subsidiary of Coda Singapore in the KSA.

2. Provider of Services. You understand and accept that the Services as defined are provided to you by Coda KSA, with its registered address at Office 109, 1st floor, Sada (Premium), Riyadh, KSA, and Commercial Registration No. 1010747804.

3. Content distribution. Coda KSA provides content distribution services and sells the relevant Codes to you via Coda platforms.

4. No returns; limitation on refunds. When we provide you with certain digital content, the transaction is instantaneous, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through Coda Singapore platform or the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, no return is possible, and no refunds may be made. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in sections on Disputes and Error Handling in the General Terms of Use.

5.Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of the Kingdom of Saudi Arabia without regard to its conflict-of-law provisions. We shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts fail, such dispute shall be referred to and finally resolved by arbitration administered by the Saudi Center for Commercial Arbitration (“SCCA”) under the Arbitration Rules of the SCCA for the time being in force, which rules are deemed to be incorporated by reference into this section (the “Arbitration Rules”). The seat of arbitration shall be Riyadh City, KSA, and the Tribunal shall consist of one (1) arbitrator. All arbitration proceedings shall be in the English language. The decision of the arbitrator shall be final and binding.

6. Customer Support. If you would like to contact us for customer support concerns, you can reach us through this link: https://sa.support.codashop.com/hc/ar/requests/new

Singapore

1. Scope of application. If you are residing in or located in Singapore, these provisions (the “Singapore Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Company information. Coda Payments Pte. Ltd. is a company registered under the laws of Singapore (Company Registration No. 201136158E) with registered address at 22 Cross Street #02-01 Singapore 048421. It is currently under application as a Major Payment Institution regulated by the Monetary Authority of Singapore.

South Africa

1. Scope of application. If you are residing in or located in South Africa, these provisions (the “South Africa Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore, having its registered address at 22 Cross Street #02-01 Singapore 048421, and that the Terms are hereby entered into and agreed upon between you and Coda Singapore. Coda Singapore may be reached by users in South Africa through email at support.za@codapayments.com.

3. Payments facilitation and content distribution services. Coda Singapore provides payments facilitation and content distribution services in South Africa via the Coda platform.

4. No returns; limitation on refunds. When we provide you with digital content, the transaction is instantaneous, such that a deduction is immediately made through your chosen Payment Channel, and the content or Merchant Code is instantly credited to you through the Merchants’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, no return is possible. No refunds may be made unless they have been determined to be valid according to the dispute and error handling procedures outlined in Sections 2.8 and 2.9 of the Terms.

5. Specific Consumer Rights Obligations. To the extent that the provisions of the Consumer Protection Act, 68 of 2008 (“CPA”) does not conflict with these Terms, Coda acknowledges and adheres to the consumer rights recognized and set out under the CPA, including but not limited to the right of privacy where you can refuse to accept unwanted direct marketing, general right to equality, right to choose, right to disclosure and honest dealing, right to fair and reasonable terms and conditions and right to quality Service, which are, whether expressly or implicitly to reflect its intention, embodied in the General Terms and Conditions.

South Korea

이곳에서 한국어 이용약관을 확인하실 수 있습니다.

1. Scope of application. If you are residing in or located in South Korea, these provisions (the “Korea Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Payments Korea Ltd., having its registered address at PO811, 8th floor, Teheran-ro 2gil 27 (Yeoksam-dong, Vision tower), Gangnam-gu, Seoul, South Korea with Business Registration No. 496-81-02019 (“Coda Korea”), and that the Terms are hereby entered into and agreed upon between you and Coda Korea. Coda Korea may be reached through telephone at +82 70 8835 0128 or through email at support.kr@codapayments.com.

3. Content Distribution. Coda Korea provides content distribution services in South Korea via Codashop and Codapay (the “Coda Platforms”), and sells the relevant Codes to you.

4. Right of cancellation not applicable. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, it cannot be withdrawn or cancelled solely at will. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

5. Additional provisions concerning Codacash

5.1 Codacash is offered locally by Coda Korea. Coda Singapore does not offer and is not involved in the offer of Codacash in South Korea.

5.2 Your Codacash balance shall be denominated in and equivalent to Korean Won (KRW).

6. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of South Korea without regard to its conflicts-of-law provisions. We shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts shall fail, such disputes shall be referred to the court with competent jurisdiction over Coda Korea’s registered address, to the exclusion of all courts in any other venue.

Turkey

Türkçe Hüküm ve Koşulları buradan okuyun.

1. Scope of application. If you are residing in or located in Turkey, these provisions (the “Turkey Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Turkey Elektronik Hizmetleri ve Ticaret Anonim Sirketi, having its registered address at Icerenkoy Mahallesi Topcu Ibrahim SK. And Plaza Apt. No. 8-10D Atasehir Istanbul with Registration No. 256949-5 (“Coda Turkey”), and that the Terms are hereby entered into and agreed upon between you and Coda Turkey. Coda Turkey may be reached through email at destek@codapayments.com.

3. Content distribution services. Coda Turkey provides content distribution services and sells the relevant Codes to you via Coda platforms

4. Digital content immediately consumed upon purchase. When we provide you with certain digital content, the transaction is instantaneous and immediately consumable due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase and consumed or used the digital content or Publisher Code, it cannot be withdrawn or cancelled solely at will. Nonetheless, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

5. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of the Republic of Turkey without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes shall be referred exclusively to:

(a) Either of the Consumer Arbitration Committees or the Central Courts and Enforcement Offices of Istanbul for consumer claims, depending on the monetary limits as prescribed under the Law on Consumer Protection and as may be amended from time to time; or

(b) The Central Courts and Enforcement Offices of Istanbul, in the case of disputes regarding the enforcement of these Terms.

6. Additional Provisions Concerning Codacash

6.1 Codacash is offered locally by Coda Turkey. Coda Singapore does not offer and is not involved in the offer of Codacash in Turkey.

6.2. Your Codacash balance shall be denominated in and equivalent to Turkish Lira (TL).

7. Customer support contact details. If you would like to contact us for customer support concerns, our contact details are as follows:

Customer Support Team

Email: emre.ergun@codapayments.com

Address: Icerenkoy Mahallesi Topcu Ibrahim SK. And Plaza Apt. No. 8-10D Atasehir Istanbul with Registration No. 256949-5

Thailand

อ่านข้อกำหนดและเงื่อนไขฉบับภาษาไทยที่นี่.

1. Scope of application. If you are residing in or located in Thailand, these provisions (the “Thailand Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Payments (Thailand) Co., Ltd., having its registered address at 3rd Floor Summer Hub Offices 1778 Sukhumvit Rd, Prakanong, Klongtoey Bangkok 10110 Thailand (“Coda Thailand”), and that the Terms are hereby entered into and agreed upon between you and Coda Thailand. Coda Thailand may be reached through (+66) 02-161-4567 or through email at support.th@codapayments.com.

3. Payments facilitation and content distribution. Coda Thailand (i) facilitates payments for purchases of digital content and (ii) provides content distribution services and sells the relevant Codes to you via Coda platforms.

4. Intermediary services for specific products. Specific to PlayStation and Roblox vouchers, Coda Thailand provides intermediary services to you, as a sub-agent of Incomm (Thailand) Co., Ltd. (“Incomm”). You acknowledge that: (a) Incomm is responsible for the sale and distribution of their relevant vouchers purchased by you via Coda platforms; and (b) the terms of services issued by Incomm, as applicable, shall govern your purchase and use of the vouchers. You further acknowledge that Coda Thailand is not a party to the sales contract between you and Incomm, as applicable.

5. Right of refund/withdrawal/cancellation not applicable. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, it cannot be withdrawn or cancelled solely at will. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

6. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of Thailand without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes shall be referred to the jurisdiction of the courts of Thailand, to the exclusion of all courts in any other venue.

7. Binding and enforceable. You understand and accept that these Terms constitute a binding and enforceable contract between you and Coda Thailand, and that the rights and obligations set out in these Terms shall be effective between you and Coda Thailand when you signify your acceptance.

8. Additional provisions concerning Codacash

8.1. Codacash is offered locally by Coda Thailand. Coda Singapore does not offer and is not involved in the offer of Codacash in Thailand.

8.2. Your Codacash balance shall be denominated in and equivalent to Thai Baht (THB).

9. Customer support contact details. If you would like to contact us for customer support concerns, our contact details are as follows:

Customer Support Team

Email: support.th@codapayments.com

Address: 3rd Floor Summer Hub Offices 1778 Sukhumvit Rd, Prakanong, Klongtoey Bangkok 10110

United Arab Emirates (UAE)

الشروط والأحكام باللغة العربية هنا.

1. Scope of application. If you are residing in or located in the United Arab Emirates (“UAE”), these provisions (the “UAE Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use. The UAE Provisions and the General Terms of Use are collectively referred to in these UAE Provisions as the “Terms”.

2. Provider of Services. You understand and accept that the Services as defined are provided to you by Coda Payments Middle East FZ LLC, having its registered address at Building 9, office 206, Dubai Internet City, UAE with Commercial License No. 98766 (“Coda UAE”). Coda UAE may be reached through email at support.ae@codapayments.com.

3. Content distribution. Coda UAE provides digital content distribution services via Coda platforms to end users residing or located in the UAE.

4. Right of refund/withdrawal/cancellation not applicable. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, it cannot be withdrawn or cancelled solely at will. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in Sections 2.8 and 2.9 of the Terms.

5. Specific consumer rights obligations. To the extent that the provisions of the Federal Law No. (15) of 2020 (“Consumer Protection Law”) does not conflict with the Terms, Coda recognizes and adheres to the end-user requirements set out under the Consumer Protection Law, which are, whether expressly or implicitly to reflect its intention, embodied in the Terms.

6. Governing law. These Terms shall be governed by and construed according to the laws of the UAE without regard to its conflict-of-law provisions. We shall endeavour to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity or termination), but in the event that such efforts fail, such dispute shall be referred to and finally resolved by arbitration administered in accordance with the Arbitration Rules of the DIFC‐LCIA Arbitration Centre (the “Arbitration Rules”), which rules are deemed to be incorporated by reference into this clause. The number of arbitrators shall be one (1), who shall be appointed in accordance with the Arbitration Rules. The seat, or legal place of the arbitration, shall be the Dubai International Financial Centre. The arbitration proceedings and award shall be conducted in the English language. The decision of the arbitrator shall be final and binding.

7. Binding and enforceable. You understand and accept that these Terms constitute a binding and enforceable contract between you and Coda UAE, and that the rights and obligations set out in the Terms shall be effective between you and Coda UAE when you signify your acceptance.

United States (US)

Read the Terms and Conditions for the US here.

Vietnam

Đọc Điều khoản và Điều kiện bằng tiếng Việt tại đây.

1. Scope of application. If you are residing in or located in Vietnam, these provisions (the “Vietnam Provisions”) shall govern your use of the Services, in addition to the foregoing General Terms of Use.

2. Provider of services. You understand and accept that the Services as defined are provided to you by Coda Singapore, having its registered address at 53 Craig Rd #02-01 Singapore 089691, and that the Terms are hereby entered into and agreed upon between you and Coda Singapore. Coda Singapore may be reached by users in Vietnam through email at support.vn@codapayments.com.

3. Binding and enforceable. You understand and accept that these Terms constitute a binding and enforceable contract between you and Coda Singapore, and that the rights and obligations set out in these Terms shall be effective between you and Coda Singapore when you signify your acceptance.

4. Content distribution. Coda Singapore (a) facilitates payments for purchases of digital content via Codapay, and (b) provides content distribution services in Vietnam via Codashop by selling the relevant Codes to you.

5. Mutual obligations between you and Coda. Coda is obligated to provide the Services to you when you make a purchase. In turn, you are obligated to ensure that your purchase is paid to Coda through your selected Payment Channel.

7. Digital content immediately delivered and/or consumed. Unless otherwise stated, when we provide you with certain digital content, the transaction is instantaneous due to the nature of such content, such that a deduction is immediately made through your chosen Payment Channel, and the content or Publisher Code is instantly credited to you through the Publishers’ respective platforms or delivered to you within a short period of time after the successful completion of your purchase. Hence, once you have made your purchase, it cannot be withdrawn or cancelled solely at will, and no refund or return can be offered for it. However, this does not prevent you from raising valid disputes or errors according to the procedures outlined in the sections on Disputes and Error Handling in the General Terms of Use.

8. Use of Services by children under 18. The Services are not directed to persons under the age of eighteen (18) in Vietnam (“minors”) and may not be used by such minors without the permission and consent of their parent or guardian.

9. Clarification on Section 1.3 (Amendments). Coda reserves the right to make changes to the Terms and provide notice of such change on its platforms, as stated in the General Terms of Use. However, if you have concluded a purchase prior to when such change took effect, you shall be deemed to be bound by the previous version of the Terms.

10. Modification to Section 11.8 (Assignment). Coda reserves the right to make an assignment to any Coda affiliate or subsidiary or third party according to the General Terms of Use. However, consistent with the laws of Vietnam, we will provide you with prior notice of such assignment. Your continued use of the Services after such an assignment takes effect shall mean that you accept the assignment and agree to be bound to these Terms with the assignee.‍

11. Governing law and dispute resolution. These Terms shall be governed by and construed according to the laws of the Socialist Republic of Vietnam without regard to its conflicts-of-law provisions. We shall endeavor to amicably resolve any disputes that arise out of or in connection with these Terms (including any question regarding its existence, validity, or termination), but in the event that such efforts shall fail, such disputes may be referred to either: (a) mediation, as provided under Law No.59/2010/QH12 on the Protection of Consumers’ Rights and Decree No. 99/2011/ND-CP of October 27, 2011; or (b) arbitration with the SIAC, as provided in the General Terms of Use. Any civil case that shall arise from the failure to resolve the dispute according to mediation or arbitration may be referred to the courts of Ho Chi Minh City with jurisdiction over the claim, to the exclusion of all courts in any other venue.

Update history

8 June 2021

Effective date

15 July 2021

Added Korea Provisions and Korean translation

10 August 2021

Added Codacash Terms, Malaysia Provisions, and Philippines Provisions

26 August 2021

Updated link to Help Center in “Contact Us” Section of General Terms of Use and link to Codashop Customer Support in “Account Security” Section of Codacash Terms

8 September 2021

Added links to Terms and Conditions for the EU/EEA, UK, and US

8 October 2021

Updated registered address for Coda Singapore; added South Africa Provisions

14 October 2021

Updated Malaysia Provisions (section on intermediary services for specific products)

26 November 2021

Added Vietnam Provisions and Vietnamese translation

19 January 2022

Added Brazil Provisions and Portuguese translation, Malaysian translation, Thailand Provisions and Thai translation, UAE Provisions and Arabic translation

11 March 2022

Added Codacash section to Brazil Provisions; added Cambodia Provisions, Turkey Provisions and Turkish translation

17 March 2022

Added Australia Provisions

18 May 2022

Added New Zealand Provisions; added provisions concerning Codacash to Thailand Provisions and updated Thai translation; added Khmer translation for Cambodia

23 May 2022

Added link to Swedish translation of Terms and Conditions for EU/EEA/Switzerland/UK

25 July 2022

Added KSA Provisions and Arabic translation; added links to Danish, Hungarian, Norwegian, and Portuguese translations of Terms and Conditions for EU/EEA/Switzerland/UK

2 August 2022

Added Codacash section to Turkey Provisions

17 August 2022

Added links to Czech and Romanian translations of Terms and Conditions for EU/EEA/Switzerland UK

22 August 2022

Added Codacash section to Korea Provisions

26 September 2022

Added link to Terms and Conditions for CGS App

21 October 2022

Added Indonesia Provisions and Bahasa Indonesian translation

07 July 2023

Updated Codacash Terms, Thailand Provisions and Thai translation

15 January 2024

Updated Codacash Terms, Sanctions, Thailand Provision; Removed CGS and Codaclub related-terms

30 January 2024

Added link to Terms and Conditions for Japan

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