Terms and Conditions

By using our website; https://airapay.my ("Website") any of its subdomain, Application, any other platforms (collectively hereinafter referred to as "Platforms") where Aira Fintech Sdn Bhd renders 'MOBY ISLAMIC' (formerly known as 'Airapay') and other products and services from time to time (collectively hereinafter referred to as ("Services"), you are bound by this Terms of Service which shall govern your use of, and access to our Services and Platforms.

Please read the Terms of Service carefully, to understand your obligations and other responsibilities imposed on you. The Terms of Service may be amended from time to time to cater to any changes or updates to our Platforms, Services, any requirements of the applicable laws and/or any changes in our policies which shall be applicable to you. We highly encourage you to refer to this Terms of Service every time you browse our Platforms or use our Services to ensure you are informed of the latest revisions.

Parties to this Terms of Service

This Terms of Service ("Terms of Service") is a contract between you ("you", "your", "Customer") and Aira Fintech Sdn Bhd (Company No. (1411754-W) with a registered address at Unit 30-01, Level 30, Tower A, The Vertical Business Suite, Jalan Kerinchi, Bangsar South, 59200 Kuala Lumpur ("Aira Fintech", "we", "us", "our").
In this Terms of Service, Aira Fintech and the Customer may also be referred to herein as a "Party" and collectively as the "Parties".


  1. A. You intend to utilise Aira Fintech's Services and Platform;
  2. B. This Terms of Service sets out the terms and conditions of use of Aira Fintech Platform and Services;
  3. C. You should print a copy of this Terms of Service, Payment Schedule and our Privacy Policy for your records.


Terms defined elsewhere in this Terms of Service shall have the meanings respectively assigned to them and the followings shall have the meanings assigned to them hereunder namely:

Account means an Account that is created on the Platform to uniquely identify you and to enable you to use the Services.

Affiliate or Affiliates are companies that are direct or indirect subsidiaries of Aira Fintech, or are otherwise related to MOBY ISLAMIC or Aira Fintech through common ownership or control.

MOBY ISLAMIC is a Shariah compliant technology or solution that enables you to place an Order to purchase goods and/or services from Merchants vide the Platform whereby Aira Fintech makes the payment for the purchase price of the goods and/or services upfront on your behalf to the Merchants and recover the equivalent purchase price amount from you through Instalment Payment.

Application means the 'Moby Islamic' mobile application available on Android and iOS, or any future mobile application, or any other application in which our Services can be integrated into.

Terms of Service means this Terms of Service, Aira Fintech's Privacy Policy, Payment Schedule, together with any policies and documents incorporated by reference and any amendments thereto.

Claims means any and all suits, claims, demands, litigation and/or liability of any nature or kind, including but not limited to the costs, expenses, legal fees and liabilities of whatever nature (including those from third parties), including those under contract, in tort or otherwise at law

Contractor means anyone appointed by Aira Fintech to assist us in providing our Services to you or to carry out work on our behalf including but not limited to Information Technology service providers, payment gateway service providers, payment processors, analytics service providers, advertising and marketing agencies and other third parties Aira Fintech may engage with for the purposes rendering the Services to you.

Credit Checks means the credit checks carried out by us on you which shall include but not limited to extracting credit reports from registered credit reporting agencies, review of proof of income and any other required supporting document submitted to us, either by ourselves or through a third party.

Deferred Payables means the repayment of the Order Value which shall be made by you to Aira Fintech in accordance with MOBY ISLAMIC's Instalment Payment.

Government Authority means the Government of Malaysia and any other government (including quasi government) ministry, agency, institution, local authority or department having jurisdiction over the Parties and/or the subject matter herein.

Information means any confidential and/or personally identifiable information or other information related to an Account, Merchant or Customer, including but not limited to the following: name, identification number and documents, contact number, email address, date of birth, tax identification number, billing/shipping address, phone number and financial information.

Instalment Payment means each interest free instalment of the Deferred Payables, which shall be payable by you to Aira Fintech in accordance with MOBY's instalment feature which include but not limited to Pay Now, Pay in 2 (2 months’ instalment), Pay in 3 (3 months’ instalment), Pay in 6 (6 months’ instalment), 6 Plus (Customers will be charged a fixed Processing Fee) or a longer termed instalment payment plan that is offered to you by Aira Fintech) until the Deferred Payables is fully repaid.

Intellectual Property Rights means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.

Merchant means E-Commerce merchants and/or offline retailers who has entered into a merchant agreement with Aira Fintech and whose goods and/or services may be purchased by you via your usage of MOBY ISLAMIC.

Order means a request submitted by you to the Merchant vide MOBY ISLAMIC to pay for goods and/or services offered by a Merchant.

Order Value means the purchase price and any other amount charged by Merchants in connection with the Order such as shipping fee or delivery fee you are required to pay to the Merchant for the purchase of the goods and/or services, which shall first be paid by Aira Fintech to the Merchant on behalf of you.

Payment Method means any payment method accepted by Aira Fintech from time to time to pay a transaction.

Payment Schedule means, in relation to an Order, a list of Instalment Payment amounts that Aira Fintech is entitled to receive from you in connection with a MOBY ISLAMIC transaction, and the relevant due dates of each payment which shall be reflected in your Account.

Personal Data means data as defined in the PDPA.

Processing Fee means any initial payment made by you for the Order at the checkout point which is not part of the Instalment Payment.


By accepting the Terms of Service, Aira Fintech allows you to purchase goods and/or services offered by the Merchant that is priced above RM10.00 through MOBY ISLAMIC.

MOBY ISLAMIC utilises the contract of Qard in making payment on behalf of you to the Merchant. For the avoidance of doubt, this Terms of Service and MOBY ISLAMIC shall not constitute a lending or credit facility whereby Aira Fintech provides credit to you.

Subject to our verification of your identity, Credit Checks and any other assessments you are granted access to MOBY ISLAMIC which allows you to make an Order from the Merchant to purchase goods and/or services at the Order Value. By placing an Order with a Merchant via MOBY ISLAMIC and upon confirmation of the Merchant and/or approval from Aira Fintech, you hereby acknowledge and agree to provide unconditional and irrevocable consent that the Order Value is assigned to Aira Fintech and provide a direction to pay (or procure Aira Fintech's Affiliate to pay) the Order Value to Aira Fintech to the Merchant on behalf of you vide MOBY ISLAMIC.

Upon payment of the Order Value by Aira Fintech to the Merchant, you shall make the Instalment Payment for the particular Order in accordance with this Terms of Service and any applicable taxes and duties thereof.

You hereby acknowledge that Aira Fintech shall not in any event have any form of control over, and shall not be responsible and liable for the goods and/or services purchased by you from the Merchant by using MOBY ISLAMIC.


At any time before you register yourself with Aira Fintech for the use of Services or to use the Platform, you are advised to read through this Terms of Service as well as Privacy Policy and any other policies found in our Platform or those that are communicated to you from time to time through the Platform or by any means stated herein. Privacy Policy and such other policies are incorporated by reference into this Terms of Service.

By clicking "I Accept" and/or by virtue of using the Platform, you confirm that you have read the terms and conditions of this Terms of Service and that you understand them and you agree to be bound by them. Your ongoing use of the Services shall constitute your acceptance of this Terms of Service without limitation and qualification.

If you do not wish to be bound by this Terms of Service (save for certain terms and conditions which are intended to survive the termination of this Terms of Service), you must discontinue all access to the Platform and/or terminate your Account created for your usage of the Services and you must not make any purchase from Aira Fintech's authorised Merchants vide MOBY. For the avoidance of doubt, discontinuation of your access to the Platform and/or termination of your Account shall not be deemed as waiver of your obligation to repay any outstanding amount.

The Payment Schedule annexed herein shall constitute and be construed as an integral part of this Terms of Service to the same extent as if the same had been set forth verbatim herein.

You may be subjected to Merchant's terms and conditions for the purchases of goods or services from the Merchant. By agreeing to use MOBY, you shall also abide such other terms and conditions. You hereby agree to protect and indemnify Aira Fintech, its employees, directors, sponsors, agents, shareholders and representatives from and against, any and all Claims have suffered or incurred arising out of or resulting from your breach of the other terms and conditions.


MOBY ISLAMIC's Instalment Payment allows you to pay Aira Fintech your Order in Instalment Payment that is offered by Aira Fintech. In some cases however, you may be required to make a certain sum of the amount of the goods and services as Processing Fee of the Order Value determined based on your credit risk profile at the time of purchase.


You may incur a fixed processing fee if you choose certain Instalment Payment due to operational costs incurred by Aira Fintech by providing you with the same.

Such fixed processing fee will be clearly communicated to you upfront (via email, pop up notification on the Website or Application interface) before you proceed to choose to pay for any of the Order using the relevant Instalment Payment.

By agreeing to pay using the Instalment Payment, you hereby accept and agree that you have read, understood and accepted any Processing Fee that was communicated to you before you proceed to pay for your Order using the Instalment Plan.

*You will incur a fixed Processing Fee between 2% - 3% if you choose Moby’s 6 Plus Instalment Plan*


You are requested to register your Account with Aira Fintech in any of the following manner:

  1. (a) by visiting and following the process as set forth in Aira Fintech's Platforms; or

  2. (b) you may be automatically directed to the registration page upon typing 'MOBY'; or

  3. (c) when you place your first Order with any of the Merchants.

You shall not misrepresent your identity or create an Account on behalf of someone else. Once your Account has been created, you will be prompted to choose and to enter a secure password. You are strictly not allowed to share your password or you Account with another person, entity or third party. You may subsequently access your Account, by using your secure password, through the said Platforms.

You shall be responsible for maintaining the security of your Account details. Aira Fintech shall not be liable or responsible for any unauthorised access and/or use of your Account unless Aira Fintech has failed to take reasonable steps to prevent such unauthorised access and/or use, or such unauthorised access and/or use arises as a direct result of any negligence, fraud or wilful default on the part of Aira Fintech.

You shall contact Aira Fintech as soon as you notice any unauthorised access and/or use of your Account. Aira Fintech shall not seek to recover any repayments from you should Aira Fintech consider that there has been an unauthorised access and/or use of your Account.

Notwithstanding the abovesaid, you shall be deemed responsible and held accountable for any repayments due in the event that you:

  1. (a) have used your Account in a manner that Aira Fintech at its sole discretion deems to be suspicious or fraudulent (including where you have knowingly allowed a third party to use your Account fraudulently);

  2. (b) have been grossly negligent and/or reckless, thereby enabling a third party to access and to use your Account;

  3. (c) have allowed, whether knowingly or negligently, a third party to use your Account, including where a third party has been allowed to access a mobile phone or other device(s) in which your Account has been registered.

By holding an Account with Aira Fintech, you hereby agree that you shall:

  1. (a) Not provide Aira Fintech with any information that is false, inaccurate and/or misleading;

  2. (b) Ensure that any personal information about you, including your contact details, is true, current and complete. In the event of any change of information, you shall update such information through your Account vide our Website or by writing to pdpa@airapay.my;

  3. (c) Not use your Account or MOBY ISLAMIC for any unlawful, illegal, fraudulent or improper activity;

  4. (d) Grant full cooperation to Aira Fintech to investigate any suspected unlawful, illegal, fraudulent or improper activity on your Account;

  5. (e) Not permit others to use your Account, or to have or use your Account password details;

  6. (f) Not use any form of technology, including but not limited to any form of device, software or hardware to damage, intercept and/or interfere with MOBY; and

  7. (g) Not open and/or use more than one Account.


As a condition to creating an Account, using the Platform, Services and participating in any promotions and campaigns organised by Aira Fintech from time to time, you hereby shall all times meet the following criteria:

  1. (a) You are 18 years and above, a Malaysian citizen with a valid local and/or residential mailing address and capable of entering into a legally binding contract before you are eligible to register and apply for MOBY.

  2. (b) You have valid and verifiable email address and a Malaysian telephone number, in which you can be contacted and/or reached as well as a valid mailing address.

  3. (c) Have a valid physical Malaysian billing and delivery address;

  4. (d) provide identification document and supporting documents for the purposes of identity verification and Credit Checks respectively;

  5. (e) own an authorised debit or credit holder or possess any other payment method that may be accepted by Aira Fintech.

Aira Fintech reserves its right to suspend or terminate your Account and/or provision of the Services to you in the event you do not meet the eligibility criterias set out above.

Your registration and/or application for the utilisation of Services is subject to approval at the sole discretion of Aira Fintech. You agree and consent to the disclosure, use, storage, processing of Personal Data collected any and all identity verification, Credit Check, and any other assessments in relation to you that may be conducted by Aira Fintech or any of its Contractors before your registration and/or application is approved.

You must have an acceptable credit record, as determined by Aira Fintech at the sole discretion of Aira Fintech. You shall not be a bankrupt or undergoing a bankruptcy proceeding;

Please note that at any time before or during subsistence of your contractual Terms of Service with Aira Fintech, Aira Fintech reserves the right to conduct and/or arrange its Contractors to conduct a background check on you covering areas including but not limited to criminal records, references, Credit Checks and relevant publicly available records including financial regulatory checks, anti-money laundering or counter-terrorism funding laws.

You hereby agree that Aira Fintech may run the following checks on you with its service providers to assess your capability in repaying Instalment Payment to Aira Fintech, to prevent fraud, to verify your identity, to grant a suitable spending limit to you to purchase goods or services from Merchants using MOBY.

Such checks may require processing of your Personal Data and other information related to you which may include but not limited to the following:-

  1. (a) Credit Check through a registered credit reporting agency to assess yor credit risk profile;

  2. (b) E-KYC check to verify your identity;

  3. (c) Processing of your metadata collected from your mobile devices (depersonalised data from your mobile device) to check for any suspicious activity and payment behaviour;

  4. (d) Perform real time enhanced due diligence by contacting you via your registered phone number to ask you security based questions; and/or

  5. (e) request for you to perform any other method of assessment, checks, verifications so long it does not infringe any applicable laws;

You also agree that Aira Fintech may retain, further process your credit information collected from the foregoing, your payment behaviour, spending behaviour, credit usage and any other credit behaviour through your transactions in our Platforms for the purposes of performing analytics or alternative data modelling that will be used to enhance our risk assessment process and decisioning on spending limit and/or approval of Order.

If you pass our assessments and we subsequently approve the Order for a particular transaction you have made, our sole remedy in respect of remedying our failure to process the payment of the Order value that is caused by our action shall be limited to re-performance of the payment. Our liability in remedying the defect shall in no event exceed the total cost of reperforming the payment of the Order.

Aira Fintech shall be further authorised to make, either directly or through a third-party, any enquiries Aira Fintech considers necessary to verify your identity and to assess your capability to make payments according to the Payment Schedule annexed herein in relation to all your Orders. This may include but is not limited to ordering a credit report, accessing your Employees Provident Fund (EPF) I-Account, performing other repayment capability checks and verifying information you provide against third party databases.

As part of the approval process and Aira Fintech's assessment as to whether or not you have the means to fulfil your obligation according to the Payment Schedule annexed herein, Aira Fintech hereby reserves the right to conduct a pre-authorisation of your nominated Payment Method. This may involve placing funds in the account linked to your nominated Payment Method on hold each time you make an online purchase, obtain a barcode for an in-store purchase and/or add a new card to your Account.

Aira Fintech agrees not to share, disclose and/or transfer your credit record with a third party or their Contractor except for the fulfilment of the above purposes and for the performance of this Terms of Service.

Your credit report shall only be disclosed and/or transferred to the following third parties who may be located within or outside Malaysia, namely:

  1. (a) Aira Fintech's Affiliates;

  2. (b) Contractors for legitimate business reasons; and/or

  3. (c) Any person or entity as required by legal or regulatory requirements.

Aira Fintech shall not retain your credit report longer than necessary in the event that your Application is rejected. Notwithstanding the aforesaid, you hereby agree that your credit report may be retained by Aira Fintech for a period of up to 18 months after issuance to enable Aira Fintech to re-determine your eligibility to MOBY.

You hereby agree and grant consent to Aira Fintech, its Affiliates, registered credit reporting agencies, Contractors to conduct all the necessary checks and verification mentioned above, to collect, process, disclose, use, store and transfer to a place within or outside Malaysia, any of your personal information in accordance with Aira Fintech's Privacy Policy.

Please refer to Aira Fintech's Privacy Policy on the purpose and extent of data collection and processing by Aira Fintech which is incorporated to this Terms of Service by reference.


In Aira Fintech's effort to cultivate positive credit behaviour and to discourage over spending, a spending limit is granted to you by Aira Fintech based on your credit standing and your ability to repay the Instalment Payment based on the assessments, Credit checks and verifications as mentioned above. You may request to increase the spending limit granted to you. In such circumstances, you are required to submit additional supporting documents to enable Aira Fintech to perform a more thorough assessments, Credit Checks and verifications. The additional assessments, Credit Checks and verifications may or may not result in the increase of your spending limit which shall be granted based on Aira Fintech's sole determination of a suitable limit.


Where the Order Value exceeds your approved spending limit, you may be offered the option to pay the difference between Order Value and spending limit during the first Instalment Payment for the Order.

Your spending limit may also be affected by your ongoing use of MOBY. Any default in payment of the Instalment Payment, may result in decrease of the granted spending limit. Likewise, in the event you pay your Instalment Payment on or before the specified payment due date, which are indicative of good payment behaviour, Aira Fintech may in its sole determinations increase your spending limit.


You must be the authorised holder of an eligible Savings/Current Account/Credit Card which shall be used as your Payment Method to gain access to MOBY ISLAMIC upon registration.

It is your sole responsibility to ensure that you have sufficient funds vide your Payment Method to make Instalment Payments on the dates specified in the Payment Schedule annexed herein.


You shall pay the Instalment Payments and all other amounts required to be paid by you under this Terms of Service to Aira Fintech on or before the specified due dates.

You are encouraged to pay the Instalment Payment and any outstanding payment before the specified due dates. You shall not be subjected to any costs or fees for making any early payments. Aira Fintech in its absolute discretion, MAY provide reward in the form of cashbacks or discount vouchers ("Rewards") for your prompt payments. Rewards are solely motivations and incentives to cultivate good payment behaviour in you therefore Aira Fintech does not guarantee the provision and/or availability of such Rewards for any prompt payment on your part.

You acknowledge that all such payments shall be effected through the agreed Payment Method referred to in this Terms of Service.

By creating an Account and indicating your preferred Payment Method (s) (you are allowed to choose more than one payment method), you hereby agree, consent and authorise Aira Fintech to engage with any payment gateway service providers and payment processors and transmit details of your Payment Method to setup recurring debit card or credit card ('auto debit') feature to deduct the Deferred Payables in accordance with the agreed Instalment Payment of approved Orders. You acknowledge and understand that by enabling the auto debit feature, you will NOT be required to key in a One-Time-Password (OTP) as part of the authentication protocol by the registered bank, for the recurring instalment payments.

Aira Fintech to automatically deduct the Instalment Payments on the specified due dates from the Savings/Current account nominated by you as your Payment Method.

You may, at any time, update or change the details of your nominated Savings/Current account in your Account.

You shall ensure that you have sufficient funds available on the nominated Savings/Current account in order to make the Instalment Payments on or before the specified due dates.

You shall be held liable and accountable for any fees and/or charges imposed by your account provider except to the extent that they are imposed as a direct result of Aira Fintech's error or system failure.

In the event that the automatic payment process fails at any time and for any reason whatsoever (for example because of insufficient balance in your Savings/Current Account), such failure shall automatically amount to a default in repayment as defined in this Terms of Service.

You hereby acknowledge that you authorise Aira Fintech to collect or to reverse variable payment amounts to or from your nominated Payment Method, in accordance with your Payment Schedule annexed herein and the terms of this Terms of Service.

You hereby further authorise Aira Fintech to debit from your Savings/Current Account at a later date or time to satisfy any liability due and owing to Aira Fintech.


In the event that you fail to make any Instalment Payment(s) on or before the specified due dates or if your Account is in default of any other overdue payments, Aira Fintech shall have the right to do the following as described herein: -

Annexure 1 - Example of the 3 months Instalment Payment:

Total order: RM 300
Instalment Date Instalment No Instalment Amount Status
23.03.2023 1st RM 100 Paid (paid at checkout point)
23.04.2023 2nd RM 100 Scheduled
23.05.2023 3rd RM 100 Scheduled

Aira Fintech shall collect the Instalment Payment (including taxes and/or any related charges imposed by the Government or the Merchant) by Direct Debit/charging your selected Payment Method according to the Payment Schedule annexed herein.

In the event of default in repayment of any Instalment Payment(s) or any part thereof of the purchase made from the Merchants using MOBY ISLAMIC to Aira Fintech under this Terms of Service for more than:-

  1. (a) Forty eight (48) hours of the payment due date, Aira Fintech shall be entitled to suspend your Account whereby you will not be able to make any future purchases using MOBY ISLAMIC until the outstanding instalment amount is paid.

  2. (b) Five (5) days of the payment due date (or any shorter period as determined by Aira Fintech in its discretion) and beyond – Account will continue to be suspended and Aira Fintech shall be entitled to charge a one time fixed late payment fee (Late Payment Fee”) on such unpaid instalment(s) or any part thereof to you;

  3. The Late Payment Fee is as provided below:

  4. Fixed Late Payment Fee of RM 20 for each overdue Instalment Payment.

  5. (Aira Fintech may, at its sole discretion, impose or waive wholly or partly, any late payment charge on you for any default in repayment)

  6. (c) Thirty (30) days of the payment due date (or any shorter period as determined by Aira Fintech in its discretion) and beyond – Account will continue to be suspended. Without prejudice to any other remedy available to Aira Fintech at law, it may at its sole discretion terminate your Account commence debt recovery action including but not limited to serving Letter of Demands and commencing legal proceedings against you without further reference to you in order to recover the balance of the outstanding Instalment Payment or any part thereof owed ("Debt Recovery")

  7. (d) (60) days of the payment due date (or any shorter period as determined by Aira Fintech in its discretion) and beyond - Account will continue to be suspended or terminated and Aira Fintech shall have the right to exercise the Debt Recovery. Additionally, Aira Fintech shall be entitled to submit your default in repayment and your personal information to any registered credit reporting agencies in order for the default to be reflected in your credit report. You hereby consent and agree that to Aira Fintech’s submission of you default in payment and negative trade data to the registered credit bureaus. Default in repayment or a bad payment behaviour recorded on your credit report may adversely impact your access to future credit facilities and approval of loan. Aira Fintech also reserves its right to engage a registered debt collection agency to recover any outstanding amount from you. It is therefore imperative that you maintain a good credit behaviour by ensuring your Instalment Payment(s) are made on time.


All Orders that you have placed with Aira Fintech shall be subject to Aira Fintech's approval at their sole discretion.

Aira Fintech retains the discretion to refuse approval of your Order or to refuse to provide MOBY ISLAMIC to you, or may cancel an approved Order before the goods and/or services are delivered or supplied on any of the following grounds:

  1. (a) To protect the integrity of Aira Fintech's systems or MOBY ISLAMIC

  2. (b) To prevent fraud;

  3. (c) To limit the risk of money laundering and/or terrorism financing;

  4. (d) To otherwise protect Aira Fintech against legal, regulatory or non-payment risks; If you do not pass Aira Fintech's assessment or checks;

  5. (e) If an Order is made with an unauthorised merchant of Aira Fintech in a different jurisdiction;

  6. (f) If you have breached this Terms of Service; or

  7. (g) If Aira Fintech associated with your Account to be suspicious.

  8. (h) If Aira Fintech has reasonable suspicion of any of the above.

In the event of cancellation of an approved Order by the Aira Fintech:-

  1. (i) Aira Fintech shall fully refund any amount that you have paid to your nominated Payment Method or (in the event that it is not possible) to any other payment method that you have provided Aira Fintech with details of, and shall cancel any future payments related to that Order;

  2. (ii) Payment shall not be refunded if the approved Order has been cancelled due to a chargeback being incurred by Aira Fintech in relation to a payment for the approved Order. Any return of funds in the event aforesaid shall be between you and your issuing bank. The Merchant shall not be obliged to deliver the goods and/or provide the services save and except as required by law;

  3. (iii) You shall have no obligation to make any further payments to Aira Fintech, or have any other ongoing relationship with Aira Fintech with respect to that Order; and

  4. (iv) If you wish to proceed with the purchase from the Merchant, the Merchant may accept an alternative payment method at its discretion, or if required by law.

Upon approval of your Order, you will receive an email from Aira Fintech with confirmation of receipt of your Order and a Payment Schedule.


The delivery and/or quality of goods shall be the responsibility of the Merchant from whom you made the purchase.

Should you have a complaint arising out of the delivery and/or quality of the goods that you have purchased, you should contact the Merchant directly by using the details posted on the Merchant's website.

It is hereby acknowledged that Aira Fintech does not have any form of control whatsoever over the goods and/or services that are transacted between you and the Merchant.

If you wish to raise any complaints regarding MOBY, you should do so by contacting Aira Fintech using the details as listed herein. Any complaint that arises for determination by Aira Fintech should be raised within seven (7) days . If Aira Fintech considers that the complaints were not raised within the said time, Aira Fintech shall reserve the right to reject or not to determine the complaint.

Address: Suite 6.08, Penthouse, Wisma Academy, No 4A, Jalan 19/1, 46300, Petaling Jaya, Selangor, Malaysia

Email: customer.support@airapay.my

Aira Fintech may request for additional documentation from you to assist them in resolving any complaints and/or disputes, and you shall endeavour to take all actions and to do all things necessary to provide assistance to Aira Fintech to facilitate them in resolving any complaints and/or disputes.

In the event that the Aira Fintech is unable to resolve your complaint within 21 Business days from the date it was made, you shall be notified of the reason for the delay as well as given an indication as to when the complaint is expected to be resolved.

Whilst Aira Fintech endeavours to accommodate and/or facilitate communication between you and the Merchant or in respect of your complaint regarding MOBY:-

  1. (a) Take note that this does not act as a guarantee that the complaint can be resolved; and

  2. (b) The outcome of your dispute with the Merchants or in respect of your complaint shall not affect the rights and remedies of Aira Fintech under this Terms of Service.


Since Aira Fintech has no control over the manufacturing, delivery, shipping, packaging or processing the goods and/or services that are transacted between you and the Merchant, you hereby agree to release and hold Aira Fintech harmless in respect of any Claims arising out of or resulting from any refunds or any delay thereof, replacement and return of goods to the Merchants. In the event that you decide to return goods to a Merchant, which have been purchased by using MOBY, and request a refund or replacement of goods, and if the refund or replacement of goods have been accepted by the Merchant or otherwise permitted by law, you shall directly arrange the return with the Merchant and hereby agree to be subjected to Merchant's refund policy and procedures, and ensure that the goods are returned according to the Merchant's return policy and/or regulations and/or other instructions or your rights in law. In the process of facilitating the replacement or refund between you and the Merchant, you hereby agree that we may process your personal information and conduct any verifications and checks.

It is your sole responsibility to notify the Merchant if you intend to return any goods. The return shall be completed within the period specified and in the manner required by the Merchant's return policy and/or regulations or as otherwise permitted by the Merchant.

Save and except where Aira Fintech has been notified by a Merchant that a return and refund is in progress and approved, Aira Fintech shall continue to process any automatic payments in accordance with the dates as set forth in your Payment Schedule annexed herein.

Until and unless the Merchant has confirmed the return of the goods and has issued a refund to Aira Fintech for the said goods, you shall remain liable to Aira Fintech for the full payment of the goods, in accordance with your Payment Schedule as annexed herein.

Upon the Merchant issuing a full refund to Aira Fintech for the said goods, Aira Fintech shall issue a refund to your nominated Payment Method (or, if that is not possible, to any other card that you have provided details of) and/or adjust your Payment Schedule appropriately (including to reduce or to cancel any future payments, if necessary).

Do take note that in the event of partial refunds, refund amounts are to be first taken off the last payment(s). If the refund is processed to your expired or cancelled card, you will have to obtain the refunded amount by contacting your respective financial institution. The aforesaid situation shall be illustrated as follows:

If you make a RM600 purchase by using MOBY ISLAMIC and the Merchant approves a RM300 refund, Aira Fintech shall cancel your 3rd instalment of RM200, and amend your 2nd instalment to RM100. Your new Payment Schedule will become 2 payments (instead of 3) of RM200 & RM100. If you had already paid 2 instalments of RM200 each, a refund of RM100 would be applied to your card and the remaining 1 instalment would be cancelled.

Aira Fintech shall to its best efforts process the refund within three (3) days from confirmation of the refund from the Merchants. However, since the refund process is subject certain handling processes that are out of our control, Aira Fintech does not in any way guarantee the timeliness of the refunds and you hereby agree to release and hold us harmless against for any delays regarding the remitting the refunds to your nominated Payment Method.

If for any reason we are unable to return the refund amount for refunds approved by Merchants, you hereby agree to receive any vouchers worth the intended refund amount from Aira Fintech for future purchases using MOBY.


Aira Fintech reserves all rights to terminate or to suspend your Account at any time by giving notice to you if Aira Fintech reasonably believes that you have failed to comply with the terms of this Terms of Service, Payment Schedule or you have not used MOBY ISLAMIC for its intended purpose. The balance of any outstanding Instalment Payment and other sums payable under this Terms of Service (if any) shall be immediately due and payable after expiry of proper notice.

The terms of this Terms of Service shall survive the termination and/or suspension of your Account, in particular the terms contained herein in respect of any outstanding Instalment Payment and any late fee (if applicable) at the time the termination or suspension takes effect.


Aira Fintech reserves all rights to amend this Terms of Service at any time for any reason whatsoever including but not limited to change of functionality of MOBY, introduction of new services, or as required by law. The amended Terms of Service shall be posted on the Platforms. You are advised to read this Terms of Service in detail each time you agree to its terms when placing an Order.

There will not be any change in terms and conditions for an existing Order that has been duly accepted by Aira Fintech.

Notwithstanding anything to the contrary in this Terms of Service, the terms and conditions that were agreed to at the time you made the Order shall apply to an accepted Order (and any steps taken in relation to such Order, e.g., cancellation, refunds, etc.)


Notwithstanding anything to the contrary contained in this Terms of Service, MOBY ISLAMIC is provided "as is" and without any representation or warranty, whether express, implied or statutory, including any warranty of merchantability or fitness for a particular purpose. Aira Fintech, our Parent and Affiliates, as well as our officers, directors, agents, joint ventures, employees, suppliers, sponsors shareholders and representatives specifically disclaim any implied warranties of title, merchantability, or fitness for a particular purpose and non-infringement. Aira Fintech does not undertake to give any express warranty or guarantee as to the suitability, reliability and/or availability of MOBY ISLAMIC.

Save and except as required by law, Aira Fintech does not guarantee continuous, uninterrupted and/or secure access to MOBY ISLAMIC, and Aira Fintech makes no representations and/or warranties regarding the amount of time needed to complete processing of Orders or payment transactions or that its Services are reliable or correct. Aira Fintech also does not guarantee the service of a Contractor that we engage with on our Platforms to ensure that we provide a seamless shopping experience to you such as third party logistics company.

Further as a payment service provider, Aira Fintech’s role in the purchase process is merely to accommodate your deferred payment for the goods and services purchased from the Merchants. Aira Fintech does not warrant either expressly or impliedly :

  1. (a) quality, merchantability or that said goods and services sold by Merchant to be fit for any particular purpose;

  2. (b) the accuracy of the details of goods and services provided by Merchants on MOBY ISLAMIC;

  3. (c) delivery time or shipment of the good and services;

  4. (d) availability of certain goods and services to you due to limitation based on residency, geographic, location or other eligibility criteria.

Any warranty on the goods and services sold by Merchants shall be provided by the Merchants on their website or shall be as stipulated in their respective terms of use. As the Customer purchasing the goods and services, you are advised to carefully read the descriptions and terms of use prior making your purchases.


No rights or interest in this Terms of Service shall be assigned without prior written consent of Aira Fintech.

Aira Fintech may transfer or assign this Terms of Service, and any rights hereunder, to a third party without prior notice being given to you or without your consent, save and except where the transfer or assignment shall detrimentally affect your rights under this Terms of Service (in which Aira Fintech shall seek your consent prior to transfer or assignment, wherein consent shall not be unreasonably withheld).


You may close your Account by contacting Aira Fintech directly or in the alternative, choose to follow the process as set out in the said Website subject to the following conditions:-

  1. (a) all amounts due and owing by you to Aira Fintech (including any Late Payment Fee, if applicable) have been paid in full to Aira Fintech;

  2. (b) No disputes and/or refunds are in progress; and

  3. (c) You are prohibited from evading investigations of any nature.

To avoid your Account from being accidentally closed or to avoid a third party from attempting to close your Account, you may be required to prove your identity and intent.

Aira Fintech may also immediately limit your access to your Account or to MOBY ISLAMIC or suspend or immediately close your Account where Aira Fintech has reasonable cause to do so, on the following grounds which includes but are not limited to:

  1. (a) Protecting the integrity of Aira Fintech's systems and/or MOBY;

  2. (b) Preventing fraud;

  3. (c) Limit the risk of money laundering and/or terrorism financing;

  4. (d) Protecting Aira Fintech against legal, regulatory or non-payment risks;

  5. (e) You failing to pass Aira Fintech's assessment and/or checks;

  6. (f) If Aira Fintech reasonably considers the activity associated with your Account to be suspicious; or

  7. (g) If you have breached this Terms of Service.

Aira Fintech endeavours to exert their best efforts to provide to you a written notice before closing of your Account, save and except where such conduct by the Aira Fintech may compromise any investigation related to your breach of this Terms of Service or any unlawful and/or improper conduct.

In the event that your Account has been closed for any reason whatsoever, this Terms of Service shall be deemed terminated, and all amounts owed by you to Aira Fintech shall immediately fall due and become payable.

All covenants and undertakings made by you herein shall survive the lawful termination of this Terms of Service and they shall continue to be binding upon you and shall remain in full force and effect for the benefit of Aira Fintech.

Upon closure of your account we may retain your personal information as stated under [clause Data Protection] and in our Privacy Policy.


Notwithstanding anything to the contrary, you shall make all Instalment Payments in accordance with the Payment Schedule and pay all other amounts in full to Aira Fintech without any form of set-off, withholding and/or reduction for any reason whatsoever, including any existing or future act, omission and/or default by Aira Fintech.


You shall pay all taxes including but not limited to withholding tax, duties and charges assessed against it in connection with MOBY ISLAMIC rendered under this Terms of Service and you hereby agree to protect and to indemnify Aira Fintech, its employees, directors, sponsors, agents, shareholders and representatives from and against from any and all Claims and/or liability for income, excess profit, royalty or other taxes assessed or levied by the Government Authority against Aira Fintech (if any) for an account of any payment made to or earned by you under this Terms of Service.


Aira Fintech may organise marketing promotions and campaigns to promote MOBY. All promotions and campaigns organised by Aira Fintech shall be subject to each of the promotion's and campaign's terms and conditions ("Promotions Terms and Conditions"). Your participation in such promotions and campaigns shall be deemed as irrecoverable acceptance by you of such acceptance by you of the Promotions Terms and Conditions.

Aira Fintech reserves the right to suspend, terminate your Account or any MOBY ISLAMIC transaction in the event you breach any of the Promotions Terms and Conditions.


All information on the Platforms is solely for informative purposes and is subject to change without notice.

The said Platforms and all contents contained therein shall at all times remain the sole and exclusive property of Aira Fintech or its affiliates.

Take notice that you shall not copy, imitate, modify, alter, use translate, reverse engineer, decompile, disassemble, or create derivative works based on the software utilised by the Platform or for the provision of Services, or any portion thereof, without prior written consent of Aira Fintech:-

  1. (a) any URLs representing the Platforms;

  2. (b) any content, logos, graphics, icons belonging to Aira Fintech;

  3. (c) any other content published on the said Platforms; or

  4. (d) any other content published in Aira Fintech's printed media.

You shall NOT gain, by virtue of this Terms of Service any rights of ownership of copyrights, patents, trade secrets, trademarks, and/or other Intellectual Property Rights legally owned by the Aira Fintech, its Affliates or owner of the software used by Aira Fintech to render the Platforms and Services.


No provision of this Terms of Service shall be modified, waived or discharged unless such modification, waiver or discharge is agreed to in writing by Aira Fintech.

A waiver by Aira Fintech shall not prejudice or limit its rights in respect of any subsequent breach of this Terms of Service by you.

Neither the failure by Aira Fintech to enforce any provision of this Terms of Service or any forbearance, delay and/or indulgence granted by Aira Fintech shall be construed as a waiver of the rights of Aira Fintech under this Terms of Service.

Neither the failure nor any delay on the part of a Party to exercise any right, remedy, power or privilege under this Terms of Service shall operate as a waiver thereof.


In the event Aira Fintech is prevented by any cause beyond its control (including but not limited to acts of God, war, fire, embargo, riot or disorder, major disruptions to the telecommunications and other networks upon which MOBY ISLAMIC are reliant, suspension by Government Authority, the spread of global pandemic or any other event constituting a Force Majeure) from performing its obligations hereunder, Aira Fintech shall not be under any liability for any loss and/or damages suffered by you as a result of the consequence of the non-performance of the obligations herein.

The performance of any obligation suspended while Force Majeure is operative shall be resumed as soon as such Force Majeure event ceases. Any loss, damage and/or delays in, or failure of performance by Aira Fintech shall not constitute default hereunder or give rise to any claims for damages or loss of anticipated profits, if and to the extent that such loss, damage, delay and/or failure is caused by Force Majeure.

In the event that Force Majeure circumstances occur which substantially affect the performance of this Terms of Service and such circumstances have continued for a period of fourteen (14) days from the date of notice served, Aira Fintech reserves all rights to terminate this Terms of Service at any time by giving written notice to you.


You agree to receive all communications from Aira Fintech in electronic form. Communications will be posted on the said Platforms (where permitted under this Terms of Service) and/or sent to your email address. In addition to the above, you agree to receive all communications from Aira Fintech via other electronic methods of communication, including but not limited to text messages using the contact details listed in your Account.

Save as otherwise explicitly stated, any notices to Aira Fintech shall be given by mail or electronic mail to the address or email address provided herein:

Address: Suite 6.08, Penthouse, Wisma Academy, No 4A, Jalan 19/1, 46300, Petaling Jaya 4-A, Jalan 19/1, Seksyen 14, 46300, Selangor, Malaysia

Email: notices@airapay.my

In computing the period of time under this Terms of Service, any notice or report given in accordance with this clause shall be deemed delivered on the date of actual delivery; unless such notice or report is given or due on a Saturday, Sunday or public holiday, in which event it shall be deemed given or due on the next business day.

Aira Fintech shall further be authorised to use the contact details that you have provided to:

  1. (a) contact you on an ongoing basis for marketing purposes whether by email, SMS, phone or otherwise (unless you have notified Aira Fintech that you do not wish to receive such communication); or

  2. (b) contact you in relation to your Account and/or MOBY; or

  3. (c) monitor or record telephone conversations or electronic communication for quality control and training purposes or for protection of Aira Fintech. There is no guarantee that any such monitoring or recording shall be retained or retrievable.


Access to the said Platforms or MOBY ISLAMIC may occasionally be unavailable or limited due to hardware or software failure or defects, overloading of system capacity, damage from natural events or disasters or disruptive human activity, interruption of power systems, labour shortages or stoppages, legal or regulatory restrictions as well as other causes outside of our control.

To the extent permitted by law and in accordance with the provisions of this Terms of Service, Aira Fintech shall not be liable for any loss and/or damage which you may incur as a result of unavailability of the said Platforms or MOBY.


By agreeing to use the Platforms and using our Services, we are required to collect, use disclose and process your personal information to provide the Services to you. Aira Fintech's Privacy Policy found on the Platforms is incorporated herein by reference and is binding on you.

Even after the termination of this Terms of Service, we reserve the right to retain some of your personal information for a period not exceeding six (6) years from the date the last information is being recorded for the following reasons:

  1. (a) As part of audit trails and record keeping to assist with audits;

  2. (b) prevention of fraud and other risks;

  3. (c) to assist with investigation and enforcement of law;

  4. (d) for Aira Fintech enforcement of its rights under the Terms of Use or for any other actions as required or permitted by law.


This Terms of Service shall in all respect, including all matters of construction, validity and performance be governed by, construed and enforced exclusively in accordance with the laws of Malaysia. Subject to provision under Dispute Resolution Clause below. The Parties hereby submit to the exclusive jurisdiction of the courts in Malaysia.


Any dispute, controversy or claim between the Parties in connection with or arising out of the Terms of Service shall be resolved by means of the following procedure:

  1. (a) the dispute shall initially be referred to the Parties' respective representatives who shall discuss the matter in dispute and use reasonable efforts to reach an Terms of Service within thirty (30) days;

  2. (b) In the absence of Terms of Service being reached on a particular dispute in accordance with subclause (a) above the Parties shall settle the dispute in accordance with the arbitration rules of the Asian International Arbitration ("AIAC") in force as at the date of this Terms of Service (the "Rules"), which Rules are deemed to be incorporated by reference into this Terms of Service.

  3. (c) Where arbitration proceedings commence in accordance with subclause (b) above, the appointing authority shall be the AIAC which shall also administer any arbitration commenced under this Terms of Service, such administration also to be in accordance with the Rules. The number of arbitrators shall be three; the seat of arbitration shall be at Kuala Lumpur, the Parties may agree for the hearing to take place at any convenient location. The language to be used in the arbitral proceedings shall be English. The decision of the arbitrators shall be final and binding upon both Parties and, where arbitration has been commenced or completed; neither Party shall seek recourse to a law court or other authority to appeal for revisions of the decision.


Notwithstanding anything else to the contrary, Aira Fintech's liability under this Terms of Service no matter how arising, and whether in contract, tort (including but not limited to negligence), or otherwise, shall not exceed the lesser of total value of Deferred Payables in dispute or the amount of Ringgit Malaysia or RM 1,200 whichever is lesser . This limitation of Aira Fintech's liability and indemnity from you shall apply irrespective of cause and notwithstanding the negligence or breach of duty (whether statutory or otherwise) of Aira Fintech or of any other entity or party.

Neither Party shall be liable to the other for any consequential losses including but not limited to loss of revenue, loss of profit, and any other indirect losses and whether or not foreseeable under this Terms of Service.

To the extent permitted by law, a Party's liability to the other Party under or in connection with this Terms of Service (if any) is reduced to the extent, in which the other Party's acts or omissions cause or contribute to its own loss and/or damage.

The Parties hereby endeavour to take all reasonable steps to mitigate any loss and/or damage incurred by the Parties under this Terms of Service.


You agree to fully indemnify, protect, defend and hold harmless, at your own expense, Aira Fintech, employees, directors, sponsors, agents, shareholders and representatives, any third party providing services for and on behalf of Aira Fintech from and against any Claims arising out of, involving or in connection with your acts or omissions, in the performance of this Terms of Service.

You hereby release and discharge Aira Fintech, its employees, directors, sponsors, agents and representatives from and against, any and all Claims and any consequential losses under any applicable laws you may have suffered or incurred arising out of or resulting from your use of the Platforms or MOBY ISLAMIC.


In the event that any provision of this Terms of Service, or a portion thereof, shall for any reason be held invalid, illegal or unenforceable to any extent, the Parties shall negotiate in good faith, amendments to this Terms of Service to reflect as closely as possible the original intent of the Parties. Such invalid provision or portion thereof shall be severed from the remaining provisions, in which shall continue to be unimpaired, valid and enforceable to the fullest extent permitted by law.


This Terms of Service together with the Payment Schedule annexed herein, including all documents and/or other material(s) incorporated by reference herein shall constitute and contain the complete, final and exclusive understanding and Terms of Service between the Parties with respect to the subject matter hereof and shall supersede any prior or contemporaneous oral or written Terms of Service, representations, understandings and/or communications. You hereby acknowledge and agree that Aira Fintech has not made any representations, warranties and/or Terms of Service of any kind, save and except as expressly set forth herein.


Time whenever and wherever mentioned shall be of the essence of this Terms of Service.


This Terms of Service shall be binding on the successors in title of Aira Fintech Sdn Bhd hereto and their permitted assigns.