Terms of Use

The following are terms of a legal agreement between you ("you" or "your") and Nestia Pte Ltd ("we", “us”, “our” or "Nestia").


1.1. By using and accessing our websites and/or mobile applications (“Platform”), you agree to follow and be bound by the following terms and conditions (“Terms of Use”). If you do not agree to these Terms of Use, you must not use our Platform.

1.2. We may amend these Terms of Use at any time without notice to you. The revised Terms of Use will take effect when posted. You agree to review the revised Terms of Use so that you are aware of any changes or modifications. Your continuous use of our Platform will constitute your acceptance and agreement to the revised Terms of Use.


2.1. You must satisfy the following conditions to use our Platform and/or to register for an account on our Platform (“Account”) with us:

  1. if you are using our Platform on behalf of another party, you must have authority to bind such party and accept these Terms of Use on their behalf; and

  2. if you are an individual using our Platform for your own purposes, you must be at least 18 years of age and capable under applicable law to accept these Terms of Use.

2.2. We grant you a personal, revocable, non-exclusive, non-transferable, limited right and license to use our Platform, subject to your compliance with these Terms of Use.

2.3. We reserve the right to change, modify, suspend or discontinue, whether temporarily or permanently, the whole or any part of our Platform at any time with or without notice. You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our Platform or any portion thereof.

2.4. Our Platform and its functionalities are provided for your personal use. In using our Platform, you shall not:

  1. if you have an Account, transfer or share your Account or password with anyone;

  2. copy, sublicence, sell, resell, publish, distribute, transmit, broadcast, circulate or otherwise exploit, transfer or make available our Platform and Intellectual Property (defined below) to any other third party, including posting material found on our Platform to other websites, forums, newsgroups, or mailing lists;

  3. modify, edit, copy, reproduce, create, attempt derive the source code of, decrypt, interfere with, disrupt the integrity or the performance of, or make derivative works based upon our Platform;

  4. reverse engineer or access our Platform in order to: (i) design or build a competitive product or service; (ii) design or build a product using similar ideas, features, functions or graphics of our Platform; or (iii) copy any ideas, features, functions or graphics of our Platform;

  5. delete, alter or obscure the copyright and other proprietary rights notices on our Platform;

  6. violate any applicable laws, rules or regulations in connection with your access or use of our Platform;

  7. cause nuisance, annoyance, inconvenience or property damage to our users or any other party;

  8. use our Platform for any purpose for which it was not designed or intended;

  9. launch an automated program, script, malicious program or any program which may make multiple server requests per second, or scrape, unduly burden or hinder the operation and/or performance of our Platform; or

  10. authorize or encourage any third party to do any of the foregoing.

2.5. You grant to us a non-exclusive, non-transferable, revocable, royalty-free, worldwide licence to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute any content which you upload to, transmit via, share, post, publish, or otherwise make available ("Share") on our Platform, in any and all media or distribution methods, for the operation of our Platform and in all our advertising and promotional activities and materials for our Platform. You represent and warrant that the content that you have provided to us are true, accurate, complete, and current and you undertake that:

  1. you have the right to Share your content on our Platform and you have the right to grant to Nestia the said licenses and rights;

  2. none of such content violates or infringes another party’s intellectual property or privacy rights; and

  3. you will maintain and promptly update your content and ensure that such content is kept true, accurate, complete, and current.

2.6. We have the right, in our absolute discretion and without notice to you, to suspend or terminate your Account, or delete any content that you have provided on our Platform, without assigning any reason.


You acknowledge and agree that our Platform and all copyright, patents, trade marks, trade names, trade secrets, computer software (including source codes), proprietary materials and all other intellectual property (“Intellectual Property”) rights associated therewith belong to us and/or our licensors. You are not granted any rights in and to our Platform or Intellectual Property not expressly granted in these Terms and such rights are hereby reserved and retained by us.


4.1. Your use of our Platform is at your sole risk. All conditions, representations and warranties, whether express, implied, statutory or otherwise are excluded and disclaimed to the fullest extent permitted by law. We make no warranties of any kind, whether express or implied that:

  1. our Platform will be uninterrupted, timely, secure and error-free or operate in combination with any other hardware, software, system or data;

  2. any results that are obtained from the use of our Platform will be accurate, reliable, or appropriate;

  3. the quality of any services, information or other material purchased or obtained by you through our Platform will meet your expectations;

  4. our Platform will meet your requirements or expectations; or

  5. our Platform or our servers are free of viruses or other harmful components.

4.2. We do not monitor or review every posting, communication, review, or any other content made available by you or others on our Platform. We may, at our sole discretion, remove such content. You acknowledge that we are under no obligation to remove or edit any such content. You agree that we are not liable or responsible for any such content.


5.1. The following applies only to products, services and property which are offered/sold by Nestia (if any) on the Platform:

  1. while we endeavour to provide accurate descriptions of products, services or properties sold by Nestia (if any) on our Platform, we do not warrant that such descriptions are accurate, current or free from error;

  2. all listing prices are subject to taxes, unless stated otherwise. We reserve the right to amend the listing prices at any time without giving any reason or prior notice;

  3. Nestia shall be entitled to cancel or terminate our obligations to fulfill any order, for any reason whatsoever, even after an order is confirmed by, and paid for by you, with or without notice. Nestia shall not be liable to any party for such termination or cancellation; and

  4. Nestia is not under any obligation to entertain any cancellation request once an order is confirmed by, and paid by you. Unless otherwise stated, all sales are non-exchangeable and non-refundable.

5.2. You are responsible for all transactions made through your Account, whether without or without your authority, knowledge or consent, and you may not claim against us in connection with any such use or purported use of your Account for any transaction.

5.3. You acknowledge that parties other that Nestia may list, provide and/or sell products, services or property on our Platform. Whether a particular product, service or property is listed on our Platform by Nestia or a third party vendor may or may not be stated on our Platform. For the avoidance of doubt, you acknowledge and agree that your purchase of any products, services or property via our Platform from a third party vendor and/or any application which you make via our Platform for credit card services offered by a third party vendor, creates a direct relationship between you and that third party vendor. In this respect, we are not responsible or liable for the actions or inactions of a third party vendor in relation to you and vice versa, or for any products, services or property which you purchase from such third party vendors and/or the credit card services which you have applied to obtain from such third party vendors. You will resolve any dispute directly with such third party vendors. If the dispute is notified to us, we will attempt in good faith to facilitate resolution of the dispute but we are under no obligation to resolve the same.


6.1. You may make payments on our Platform using any of the following payment methods:

  1. Major credit cards and debit cards (such as Visa, MasterCard, and UnionPay).

  2. WeChat pay, Alipay.

  3. Any other payment method which we make available on our Platform from time to time.

6.2. The availability of the payment methods may vary depending on the country where your payment account is located. We will display the available payment methods to you on the checkout page before you confirm your purchase or order on our Platform. We reserve the right to discontinue or suspend any payment method on our Platform without giving notice to you.

6.3. Your payment will only be processed upon confirmation of your purchase, order and/or application (“Purchase”) by us or the relevant third party vendor. If you are making payment to a third party vendor, you acknowledge that we are authorised to collect such payment on behalf of the third party vendor.

6.4. If you fail to make payment or if your payment is unsuccessful for any reason, we have the right to suspend your Purchase until payment is made or to cancel your Purchase altogether. We will notify you of any such suspension or cancellation of your Purchase.

6.5. We use third-party payment processors (“Payment Processors”) to facilitate payments on our Platform. The processing of payments will be subject to the terms & conditions and privacy policy of the Payment Processor in addition to these Terms of Use, and you agree that you are subject to such terms & conditions and privacy policy. While we will use all reasonable endeavours to secure the transmission of information to the Payment Processors, we are not responsible for any errors by the Payment Processor. You shall settle any claim against or dispute with any Payment Processor directly with the Payment Processor and not with us.

6.6. Any refund of payment for a Purchase will be made through the payment method used for the payment. In making such refund, we shall have the right to deduct or withhold from the amount to be refunded to you any fees and costs due to us and/or the Payment Processor.


7.1. We shall not be liable to you for any and all damages of any kind, directly or indirectly, arising out of or in relation to using our Platform, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses or any consequential losses.

7.2. Without limiting the generality of the foregoing, our maximum liability for all claims of every kind arising out of these Terms of Use will not exceed SGD 1.00.

7.3. Notwithstanding the above, nothing in these Terms of Use shall apply to exclude or limit any of our liability (in connection with the Platform) for death or personal injury caused by our negligence, or for our fraudulent actions.


You agree to indemnify, defend and hold us (and our officers, employees, shareholders and representatives) harmless from, and against, any claims, proceedings, losses, expenses, damages and costs, including legal fees, arising out of or in connection with:

  1. your access and use of our Platform;

  2. your use of your Account other than in accordance with these Terms of Use;

  3. your dealings with any third party via our Platform;

  4. your breach of these Terms of Use;

  5. your violation of any applicable law;

  6. your negligence or wilful misconduct; or

  7. your violation of the rights of a third party, including the infringement by you of any intellectual property or proprietary rights of any third party.


Our Privacy Policy explains how we treat personal data which you provide in your use of our Platform. Our Privacy Policy is deemed incorporated into these Terms of Use by reference in this Clause. By using our Platform, you agree that we may collect, use, process and disclose such personal data in accordance with our Privacy Policy.


10.1. If any of these Terms of Use is found to be unlawful, void, or unenforceable, this will not affect the legality, validity and enforceability of any remaining provisions.

10.2. Our failure to exercise a right or require performance of an obligation in these Terms of Use shall not affect our ability to exercise such right or require such performance at any time thereafter.

10.3. You shall not transfer, assign or delegate any of your rights or obligations in these Terms of Use without our prior written consent. You agree that we may transfer, assign and/or delegate any or all of our rights and obligations in these Terms of Use without consent to any affiliate or to an acquirer of all or substantially all of our business, equity or assets.

10.4. These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Singapore.

11.Terms of Use Governing Aleta Planet MES.

11.1. Definitions

In these Terms and Conditions, references to "we", "us", "our" and "Aleta Planet MES" are to Aleta Planet MES Pte Ltd and references to "you", "your" or "Customer" means the customer of the Aleta Planet MES using the ALETA PLANET MES.

"ALETA PLANET MES" or "Facility" means MoneyExpress, the money transfer facility made available by the Aleta Planet MES to the Customer in accordance with these terms and conditions.

"Recipient Card" means all cards bearing service mark of UnionPay and issued by any financial institution supporting MoneyExpress.

Remittance into a UnionPay card issued in Mainland China is subject to an annual foreign exchange conversion quota which is set for conversion between non-RMB currencies into RMB.

The quota per annum is US$50,000 or its equivalent. Further, subject to the restrictions set by the local regulator, the maximum amount you may transfer in a day shall not exceed US$10,000 or its equivalent.

11.2. The Aleta Planet MES and UnionPay International (or such other relevant party) (collectively, the "Relevant Party") shall effect the transfer of such sum to the Recipient Card in accordance with the information and/or instructions provided by you, in the currency of the Recipient Card converted from the Singapore currency or USD (as the case may be) at such prevailing exchange rate on such date as the Aleta Planet MES or the Relevant Party may determine at its discretion.

11.3. You shall ensure that all information and/or instructions provided by you to the Aleta Planet MES for the purposes of effecting any transfer under the Facility is complete, true and accurate. You further agree to provide any further information that the Aleta Planet MES may require from you.

11.4. The Aleta Planet MES may act upon, rely on or hold you solely responsible and liable for all instructions transmitted to the Aleta Planet MES (whether actually provided by you or not) and the Aleta Planet MES shall not be under any obligation to investigate the authenticity or authority of persons effecting the instructions or verify the accuracy and completeness of the information. You agree that the Aleta Planet MES may treat the information as valid notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in the terms of such information and/or instructions.

11.5. Whilst the Aleta Planet MES endeavours to effect the transfer on receipt of your instructions, you agree that the instructions may not be processed immediately due to:

  1. instructions being inaccurate, inadequate or incomplete in any way; or

  2. any failure, refusal, delay, error or any limits to operation by any third party through whom any such instruction is transacted.

11.6. Where the Aleta Planet MES chooses to act on an instruction, the Aleta Planet MES acts on a commercially reasonable effort basis and are not responsible for any acts and omissions while acting in a reasonable manner in complying with/acting upon the instructions.

11.7. You acknowledge and agree that the Aleta Planet MES may:

  1. without stating reasons, require that you identify yourself by alternative means;

  2. require any instruction to be confirmed through alternative means (including but not limited to writing in person at a branch, by facsimile or by phone);

  3. reject any instruction for a funds transfer under the Facility or approve only part of the amount requested for transfer under the Facility without assigning any reason;

  4. decline to act on the instruction in order to verify the authenticity of the instruction;

  5. decline to act on the instruction where the instruction:

    1. is ambiguous, incomplete or inconsistent with your other instructions, information and/or data; or

    2. may have lapsed or is rendered invalid by the Aleta Planet MES and/or UnionPay International (or such other relevant party).

11.8. The Aleta Planet MES shall not be liable to you in any way for any loss, cost, claims, expense or damage incurred by us whatsoever or howsoever caused, whether arising directly or indirectly, in connection with the Facility (including but not limited to conversion of currencies not undertaken by the Aleta Planet MES, the delay or failure in transmission of instruction by the Aleta Planet MES, delay or failure of transmission of instructions by UnionPay International or any other entity involved in the process of the funds transfer or due to any government order, court order, law, levy, tax or exchange restrictions).

11.9. The Aleta Planet MES does not warrant the security of any information sent or transmitted to it whether electronically or otherwise and you accept the risk that any information sent or transmitted to the Aleta Planet MES may be accessed by unauthorized third parties.

11.10. The Aleta Planet MES shall not be liable for any unauthorized transactions and you agree to fully indemnify and hold the Aleta Planet MES harmless against any action, suit or proceedings initiated against it and for any loss, cost (including legal costs on a full indemnity basis) or damage incurred by us as a result thereof or arising from us acting on your instruction to effect the transfer.

11.11. The Aleta Planet MES may vary these Terms and Conditions, such variation to take effect on the date specified by us. If you use the Facility after such date you are deemed to have accepted such variation.

11.12. You consent to the Aleta Planet MES, its agents and other persons (who by reason of their scope of work, capacity or office have access to your account and/or personal details) disclosing any information relating to you and any particulars of your accounts to:

  1. any person or organization participating in the provision of electronic services or such services in connection with the Facility;

  2. any person or organization we outsource certain functions or activities;

  3. the police or any public officer purporting to conduct an investigation;

  4. UnionPay International and such other UnionPay entity;

  5. any other financial institution or credit agency for the purposes of verifying the information provided by you;

  6. any person or organization in connection with the marketing or promotion of the Facility and/or such person or organization for the purposes of investigating any compliant or dealing with any query relating to the marketing or promotion of the Facility;

  7. any person or organization in compliance with an order, notice or request of any government agency or authority or court of law;

  8. any person or organization for the purpose of collecting and recovering for and on the Aleta Planet MES's behalf any sums of money owing to us from you;

  9. any related corporation of the Aleta Planet MES for risk management purposes for monitoring credit exposures across the ALETA PLANET MES or the credit exposure of any ALETA PLANET MES related company to you and for cross- selling purposes. "Risk management purposes" includes any conflict clearance exercise;

  10. any regulatory body, government agency and/or statutory board;

  11. any merchant;

  12. any subsidiary and/or any related company or associated company of the Aleta Planet MES in any jurisdiction, such as Aleta Planet Pte Ltd and AletaCard SG Pte Ltd;

  13. any Recipient Card main or supplementary cardholder; and

  14. any person or organisation where the Aleta Planet MES in good faith deems it reasonable to make such disclosure.

11.13. ALETA PLANET MES's rights under Clause 13 shall be in addition and without prejudice to other rights of disclosures available pursuant to the Payment Services Act 2019 of Singapore, subsidiary legislation, notices and guidelines (as may be amended and substituted from time to time) or any other statutory provision and in law and nothing herein is to be construed as limiting any of these other rights.

11.14. All personal data (as defined by the Personal Data Protection Act 2012 (“PDPA”)) provided by the Customer or otherwise collected by ALETA PLANET MES from any other sources or in the course of the Customer's relationship with ALETA PLANET MES or any of ALETA PLANET MES's affiliates and related entities will be treated in compliance with the PDPA. You hereby consent to the collection, processing, use and disclosure of personal data in accordance therewith. You further agree that we may use your personal data for customer due diligence purposes for services provided by AletaCard SG Pte Ltd and Aleta Planet Pte Ltd, in the event that you apply for or use their services. Where applicable, if you attend any publicity event(s) organised by us or our related entities, you consent to any use of photography, video and audio recordings involving you at the event(s) on any website, publicity materials, social media or any other medium.

11.15. A person who is not a party to these Terms and Conditions may not enforce its terms under the Contracts (Rights of Third Parties) Act (Chapter 53B) (as may be amended and substituted from time to time). Notwithstanding any term in these Terms and Conditions, the consent of any third party is not required to vary (including the release or compromise of any liability) or terminate any of these Terms and Conditions.

11.16. These Terms and Conditions are governed by and construed in accordance with the laws of the Singapore and you irrevocably submit to the exclusive jurisdiction of the Singapore Courts.

Last Modified: August 28, 2020