LEGAL & COMPLIANCE

Last Updated: 25 February 2026

Welcome to Sippa! By accessing, browsing, or using our website, mobile application, products, or services (collectively, the “Services”), you agree to be bound by these Terms of Use (“Terms”). Please read them carefully. If you do not agree with any part of these Terms, you must immediately cease using our Services. Sippa reserves the right to modify, update, or revise these Terms at any time. Your continued use of the Services constitutes acceptance of any such changes. These Terms apply to all Users, including but not limited to individual consumers, businesses, subscribers, and visitors accessing the platform in Malaysia or any other jurisdiction where Sippa may operate now or in the future.

1. Definitions

For clarity, the following definitions apply throughout these Terms:

“Services” – All products, subscriptions, features, add-ons, digital content, loyalty programs, promotions, contests, sweepstakes, in-store and online purchases, and other offerings provided by Sippa.

“User” – Any individual or entity accessing or using the Services.

“Content” – Any text, images, videos, reviews, comments, or other submissions uploaded or submitted by Users.

“Platform” – The Sippa website, mobile application, or other digital interfaces provided by Sippa.

“Digital Content” – Content provided via download, streaming, or electronic delivery, including e-books, media, educational materials, software, and interactive modules.

“Promotions” – Any discounts, vouchers, contests, sweepstakes, loyalty rewards, or other incentives offered by Sippa.

“Subscription” – A recurring access plan or service tier, including digital or physical products, features, or add-ons.

“DRM” – Digital Rights Management or technological measures used to protect digital content from unauthorized access, copying, or distribution.

“Credits” – Any digital or in-platform value issued by Sippa, including without limitation points, vouchers, gift cards, or any balance held in a wallet, account, or other stored-value system. Credits are non-cashable, non-transferable, and remain the property of Sippa unless otherwise specified, including any future in-platform credits or digital representations of value.

“Gift Cards” – Prepaid digital or physical cards issued by Sippa that can be redeemed for products or services on the Platform, subject to these Terms.

2. Eligibility

2.1. Users must be at least 18 years old or of the legal age in their jurisdiction to access or use the Services.

2.2. Minors may only use the Services with the prior consent of a parent or legal guardian, who agrees to these Terms on their behalf.

2.3. By accessing or using the Services, Users represent and warrant that they have the legal capacity to enter into these Terms.

2.4. While these Terms are drafted for Malaysia, Sippa may expand Services internationally. Users outside Malaysia must comply with local laws and regulations in addition to these Terms.

3. Orders, Payment, and Pricing

3.1. ORDER CONFIRMATION – Orders placed through the platform are confirmed via email or in-app notification. Ownership of goods or products transfers only upon full payment.

3.2. Pricing – Prices are displayed at the time of purchase. Sippa may modify prices at any time without prior notice, except where prohibited by law. All prices are subject to applicable taxes, duties, and shipping fees unless stated otherwise.

3.3. Payment Methods – Payments may be made via credit/debit cards, FPX (Financial Process Exchange), authorized e-wallets, approved payment gateways, or cash in-store.

3.4. Third-Party Payments – Sippa is not responsible for errors, delays, or failures caused by third-party payment providers.

3.5. Promotions and Discounts – Promotional offers may be subject to specific restrictions, expiry dates, or limited availability. Fraudulent or unauthorised use of promotions may result in account suspension or termination.

3.6. Taxes and Duties – Users are responsible for applicable taxes, customs duties, or import charges unless otherwise indicated at the time of purchase.

3.7. Payment Disputes – Users must notify Sippa promptly of any payment disputes. Liability for disputed transactions is capped at the amount of the individual transaction.

4. Shipping, Delivery, and In-Store Collection

4.1. Shipping Fees & Estimated Delivery – All fees, estimated delivery times, and collection options are displayed at checkout. Delivery times are estimates and not guaranteed.

4.2. Delivery Delays – Sippa is not liable for delays due to events beyond reasonable control, including weather, transport disruptions, pandemics, strikes, or third-party service failures.

4.3. In-Store Collection – Orders for in-store pickup must be collected within the specified timeframe. Failure to collect may result in order cancellation without refund.

4.4. Damaged or Lost Items – Users must notify Sippa immediately upon receipt of damaged, defective, or missing items. Resolution will follow the return and refund policy.

4.5. International Shipping – If Sippa expands services internationally, Users may be responsible for additional duties, taxes, or import regulations.

5. Returns, Refunds, and Cancellations

5.1. Returns – Items that are damaged, defective, or incorrect may be returned within three (3) days of receipt.

5.2. Refunds – Refunds follow Sippa’s return policy and may include processing fees. Refunds for digital content, add-ons, or promotions may be limited or non-refundable.

5.3. Cancellations – Orders may be cancelled prior to shipment or preparation. Users must contact customer service for cancellation requests.

5.4. Exceptions – Certain products, promotions, or digital content may be non-refundable, as specified at the time of purchase.

5.5. Chargebacks – Unauthorised chargebacks are considered a breach of these Terms and may result in account suspension, legal action, or liability for fees incurred.

6. Subscriptions, Auto-Renewals, and Add-On Features

6.1. Paid subscriptions are governed by separate subscription terms including eligibility, pricing, billing cycles, usage, and auto-renewal provisions.

6.2. Users may cancel subscriptions via the platform. Cancellations take effect at the end of the current billing period. No refunds will be issued for partial periods unless required by law.

6.3. Family or group subscriptions may require guardian consent for minors.

6.4. Add-ons or digital content may have separate terms. Sippa may modify, suspend, or discontinue add-ons at its discretion.

6.5. Auto-renewal notifications and reminders will be sent to Users. Users are responsible for ensuring up-to-date payment information.

6.6. Refunds for subscription cancellations will follow the specific subscription terms.

7. Loyalty, Referral, and Promotional Programs

7.1. Participation in any loyalty, referral, or promotional program is subject to the specific program terms provided at the time of enrolment or participation.

7.2. Credits issued under these programs are non-cashable, non-transferable, and remain the property of Sippa at all times.

7.3. Credits may expire if unused and may be modified, suspended, or canceled by Sippa at its sole discretion, with or without notice.

7.4. Any fraudulent, manipulative, unauthorised, or abusive activity — including artificial inflation, unauthorized claims, or violation of program rules — may result in suspension or termination of the User’s account, forfeiture of Credits, reversal of transactions, and potential legal action.

7.5. Users acknowledge and agree that participation in loyalty, referral, or promotional programs does not constitute a guarantee of discounts, monetary value, or entitlement to future rewards.

7.6. Sippa reserves the right to enforce program rules, reclaim or adjust Credits, and seek indemnification for any losses arising from misuse, fraud, or breach of program terms.

7.7. Sippa is not responsible or liable for technical errors, service interruptions, third-party failures, or changes to programs, including suspension, modification, or cancellation, and Users accept that no compensation is owed in such events.

8. Digital Content and DRM Protections

8.1. Users may access digital content for personal, non-commercial purposes only.

8.2. Content is non-transferable unless explicitly authorized.

8.3. Circumventing DRM, encryption, or other technological protections is strictly prohibited.

8.4. Sippa is not liable for errors, interruptions, or failures in accessing digital content.

8.5. Sippa may update, modify, or remove digital content at its discretion.

9. User Conduct and Prohibited Activities

9.1. Users must not: Violate applicable laws or third-party rights. Engage in harassment, threats, or offensive conduct. Attempt to access unauthorised areas of the Platform. Upload harmful, misleading, or illegal content. Use Services for unauthorised commercial purposes.

9.2. Breach of these rules may result in suspension, termination, or legal action.

9.3. Users agree to report any suspicious, harmful, or illegal activity to Sippa immediately.

10. User Content and License

10.1. By submitting content, Users grant Sippa a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, distribute, and display such content in connection with the Services.

10.2. Users must not submit content that is false, misleading, offensive, defamatory, illegal, or infringes third-party rights.

10.3. Sippa may remove or restrict access to content violating these Terms.

10.4. Users retain copyright in their submissions, subject to the license granted to Sippa.

11. Intellectual Property

11.1. All content on the Platform, including software, text, graphics, logos, images, and media, is owned or licensed by Sippa Group Sdn Bhd.

11.2. Users may not copy, modify, distribute, transmit, display, or create derivative works without written consent.

11.3. Trademarks, service marks, and branding are protected under Malaysian and international intellectual property laws.

11.4. Any unauthorised use may result in civil and criminal penalties.

12. Privacy, Data Retention, Cookies, and Marketing

12.1. User data is collected, stored, and processed in accordance with Sippa’s Privacy Policy.

12.2. Users consent to the use of cookies and tracking technologies as described in the Cookie Notice.

12.3. Users consent to receive marketing communications unless they opt out.

12.4. Sippa may share user data with authorised partners (e.g., delivery providers, payment processors) but is not liable for misuse by third parties.

12.5. Personal data will be retained as required by law and operational necessity, and securely deleted when no longer needed.

12.6. Users have the right to access, correct, or request deletion of personal data, subject to applicable laws. Sippa processes personal data in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia and, where applicable, may comply with international data protection laws.

12.7. Users accessing Services from jurisdictions outside Malaysia acknowledge and consent to the transfer, storage, and processing of personal data across borders in accordance with applicable data protection laws.

13. Warranty Disclaimer and Service Availability

13.1. Services are provided “as is” without warranties of any kind, express or implied.

13.2. Sippa does not guarantee uninterrupted or error-free access to the Platform.

13.3. Users acknowledge the inherent risks of digital services, including network outages or technical failures, and agree that Sippa is not responsible for such events.

13.4. No advice or information provided by Sippa or its affiliates constitutes a warranty.

14. Limitation of Liability, Indemnification, and Liability Cap

14.1. Transaction Cap – Sippa’s liability for any claim arising from the Services, including purchases, subscriptions, digital content, promotions, or Credits, is strictly limited to the amount of the genuine, verified individual transaction giving rise to the claim. Any artificially added, manipulated, duplicated, or fraudulent Credits are expressly excluded from this limitation.

14.2. Excluded Damages – Sippa is not liable for any indirect, incidental, consequential, punitive, or special damages, including but not limited to loss of revenue, profits, goodwill, data, or business opportunities, even if Sippa has been advised of the possibility of such damages.

14.3. Third-Party Content and Services – Sippa is not responsible for the actions, content, products, or services of third-party websites, integrations, payment providers, delivery partners, or other external services. Users engage with third-party services entirely at their own risk.

14.4. Indemnification – Users agree to indemnify, defend, and hold harmless Sippa Group Sdn Bhd, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from: Violation of these Terms; Fraudulent, unauthorised, or artificial use of Services, including Credit manipulation or creation; User content submissions; Breach of any law or third-party rights; Misuse, abuse, or interference with the Platform; or Interaction with third-party partners, content, or service providers integrated with the Platform. Users must cooperate fully with Sippa in the defence of any claim and may not settle any claim without Sippa’s prior written consent.

14.5. Service Availability Disclaimer – While Sippa aims to provide uninterrupted and secure access to Services, it does not guarantee continuous availability, error-free operation, or that Services will meet User requirements. Sippa is not liable for downtime caused by cyberattacks, network failures, or events beyond reasonable control.

14.6. Credits and Rewards – Credits, loyalty points, vouchers, or other in-platform rewards are not equivalent to cash and remain the sole property of Sippa Group Sdn Bhd. Sippa may adjust, revoke, modify, or cancel such Credits at its discretion, with or without notice, without incurring liability. Misuse, fraud, or violation of program rules may result in forfeiture or reversal of Credits.

14.7. Survival – The obligations in this Section survive the termination, suspension, or expiration of the User’s account, subscription, or access to Services.

15. Force Majeure

15.1. Definition – Sippa shall not be liable for any failure or delay in performing obligations due to events beyond reasonable control, including natural disasters, pandemics, strikes, governmental actions, network failures, cyberattacks, or failures of third-party providers.

15.2. Effect on Obligations – During a Force Majeure Event, Sippa may suspend or delay performance without liability. Sippa shall use reasonable efforts to resume normal operations as soon as practicable.

15.3. Notification – Where practicable, Sippa will notify Users of Force Majeure Events via the website, app, or email.

15.4. Survival – The provisions of this Section survive termination or expiration of the User’s account or access to Services.

16. Third-Party Services and Integrations

16.1. The Services may include integrations, APIs, payment gateways, or tools provided by third parties. These are provided for User convenience and do not constitute endorsement by Sippa.

16.2. Users acknowledge that interactions with third-party services are at their own risk. Sippa does not guarantee availability, accuracy, or performance of any third-party service.

16.3. Sippa is not responsible for errors, failures, or data breaches occurring via third-party services.

16.4. Third-party services may be modified, suspended, or removed at any time without notice.

16.5. Users agree to indemnify Sippa from any claims arising from their interaction with third-party services.

16.6. The provisions of this Section survive termination or expiration of the User’s account or access to Services.

17. Governing Law and Dispute Resolution

17.1. Governing Law – These Terms shall be governed by the laws of Malaysia, without regard to conflict of laws principles.

17.2. Negotiation – In the event of any dispute, the parties shall first attempt resolution through good-faith written negotiation.

17.3. Arbitration – If negotiation fails within 30 days of written notice, the dispute shall be referred to arbitration under the rules of the Asian International Arbitration Centre (AIAC) in Kuala Lumpur. Arbitration shall be conducted in English by a single arbitrator. The decision is final and binding, and judgment may be entered in any court of competent jurisdiction. Each party bears its own costs unless directed otherwise by the arbitrator.

17.4. Equitable Relief – Sippa reserves the right to seek injunctive or equitable relief in any court to protect intellectual property, confidential information, or prevent fraudulent use of the Services.

17.5. Survival – Provisions of this Section survive termination of any User account or access to the Services.

18. Termination

18.1. Suspension or Termination by Sippa – Sippa may suspend or terminate a User account at its sole discretion for violation of these Terms, illegal or fraudulent activity, non-payment, chargebacks, or abuse of Services.

18.2. User Obligations upon Termination – Upon termination, Users must immediately cease use of all Services, delete any proprietary materials provided by Sippa, and settle any outstanding balances.

18.3. Effect on Rights and Liabilities – Termination does not affect accrued rights or liabilities of either party prior to termination.

18.4. Reinstatement – Terminated accounts may only be reinstated at Sippa’s sole discretion, subject to resolution of the breach and payment of any outstanding fees.

18.5. Notification – Sippa will use reasonable efforts to notify Users of termination via email or in-app notification.

18.6. Survival – Provisions regarding liability, indemnification, dispute resolution, intellectual property, and confidentiality survive termination.

19. Promotions, Contests, and Sweepstakes

19.1. Participation in any Promotion is subject to the specific rules provided at the time of enrolment. Users must comply with these Terms and any additional Promotion rules. Promotions are void where prohibited by law.

19.2. Any attempt to manipulate, artificially inflate, or fraudulently claim rewards constitutes a breach of these Terms. Sippa may investigate suspicious activity and take appropriate action including account suspension, termination, or legal proceedings. Credits or prizes obtained fraudulently are forfeited and may be reclaimed by Sippa.

19.3. Sippa is not liable for technical failures, lost entries, or errors caused by third-party providers.

19.4. Sippa may modify, suspend, or cancel any Promotion at any time without notice or compensation to Users.

19.5. Users are solely responsible for reporting and paying any applicable taxes on prizes or rewards received.

19.6. Sippa’s liability for any claim arising from a Promotion is strictly limited to the value of the individual prize or reward. Sippa is not liable for indirect, incidental, or consequential damages arising from participation.

19.7. Disputes relating to Promotions shall follow the Governing Law and Dispute Resolution provisions in Section 17.

20. Entire Agreement

20.1. These Terms of Use, together with Sippa’s Privacy Policy and any other policies, rules, or program terms referenced herein, constitute the entire agreement between Users and Sippa Group Sdn Bhd regarding the Services. This Agreement supersedes any prior agreements, communications, or representations, whether written, oral, or implied.

20.2. Users acknowledge they have not relied on any statement or representation outside this Agreement in deciding to use the Services.

20.3. Any subscribed services, add-ons, loyalty programs, promotions, or Credits are subject to their respective terms, which form an integral part of this Agreement. In case of conflict, the specific terms for that service or promotion shall prevail solely for that product or program.

20.4. Sippa may amend this Agreement at any time. Continued use of Services after amendments constitutes acceptance. Users are responsible for regularly reviewing these Terms.

20.5. No failure or delay by Sippa in exercising any right shall constitute a waiver. Any waiver must be explicitly provided in writing by Sippa.

20.6. This Agreement is binding upon Users, their heirs, successors, and permitted assigns. Sippa may assign its rights and obligations to any affiliate or successor without consent, provided such assignment does not materially reduce Users’ rights.

21. Future Expansion

21.1. These Terms are currently tailored for Malaysia. Sippa may expand internationally.

21.2. If Services become available in other jurisdictions, additional terms or policies may apply.

21.3. Users accessing Services outside Malaysia must comply with local laws, including taxation, data protection, and consumer protection regulations.

21.4. Sippa is not responsible for non-compliance by Users with local laws outside Malaysia.

22. Data Security and User Responsibilities

22.1. Users are responsible for maintaining the confidentiality of their account credentials.

22.2. Users must notify Sippa immediately of any unauthorised access or suspicious activity.

22.3. Sippa implements reasonable security measures to protect User data.

22.4. Users acknowledge that no system is completely secure and that Sippa does not guarantee absolute protection against cyber threats or data breaches.

23. Compliance with Laws and Export Controls

23.1. Users must comply with all applicable local, national, and international laws while using the Services.

23.2. Users may not access, download, or distribute Services or digital content in violation of Malaysian law or international regulations.

23.3. Digital content or technology provided by Sippa may be subject to export control laws. Users agree not to circumvent such laws.

24. Modifications and Updates to Services

24.1. Sippa may update, modify, or discontinue Services, features, or content at any time.

24.2. Changes to the platform or Services do not entitle Users to compensation unless required by law.

24.3. Users will be notified of significant changes via email, in-app notification, or platform announcements.

24.4. Continued use of Services after modifications constitutes acceptance of the updated terms.

25. User Feedback

25.1. Users may provide feedback, suggestions, or comments regarding Services.

25.2. By submitting feedback, Users grant Sippa a perpetual, worldwide, royalty-free license to use, modify, reproduce, or implement such feedback in any way.

25.3. Feedback may be used for product improvement, marketing, or promotional purposes without compensation to the User.

26. Severability

26.1. If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

26.2. The invalidity of one provision shall not affect the validity of any other provision.

27. No Waiver

27.1. Failure to enforce any provision of these Terms shall not constitute a waiver of the right to enforce such provision in the future.

27.2. Any waiver must be in writing and signed by Sippa to be effective.

28. Interpretation

28.1. Headings and section titles are for convenience only and shall not affect the interpretation of these Terms.

28.2. Words importing the singular include the plural and vice versa. Words importing any gender include all genders.

28.3. References to persons include individuals, companies, corporations, partnerships, trusts, and other legal entities.

29. Risk Acknowledgment

29.1. Users acknowledge and accept that digital platforms and e-commerce inherently carry risks, including service interruptions, technical failures, and potential data loss.

29.2. Users agree to assume all such risks and release Sippa from liability except as explicitly provided under these Terms.

29.3. Users acknowledge that Sippa is not responsible for third-party content, recommendations, or services accessed via the platform.

30. Customer Support and Complaints

30.1. Sippa provides customer support through its email and in-app channels.

30.2. Complaints regarding transactions, services, or digital content must be submitted within 30 days of the event giving rise to the complaint.

30.3. Sippa will use reasonable efforts to resolve complaints in a timely and fair manner, but resolution timelines may vary depending on the nature of the complaint.