Platform User Terms

Definitions

“Applicable Law”

all law and binding regulatory, court, authority and payment-scheme requirements applicable to you, OMA, a Corporate Customer, MPay or a transaction.

“Approved Corridor”

a payer-country, recipient-country, payment-purpose, currency, provider and payment-rail combination that OMA has confirmed as available in a current written or electronic Corridor Notice.

“Approved Payment Provider”

MPay, a bank, licensed remittance provider or another appropriately licensed or authorised provider approved by OMA to perform the regulated payment, conversion, safeguarding, settlement or payout activity allocated to it.

“Corridor Notice”

the current written or electronic corridor and transaction disclosure presented through the OMA Platform, identifying the provider, countries, purpose, currencies, limits, documents, fees, exchange-rate basis, deductions, settlement estimate and other conditions.

“Cross-Border Payment”

a payment where the Corporate Customer or payer and the individual recipient are in different countries, are both outside Malaysia, or where an overseas payment rail or currency conversion is used.

“Corporate Customer”

a company, limited liability partnership, statutory body or other body corporate duly incorporated, established or registered under the laws of Malaysia or another jurisdiction approved by OMA that invites you to the OMA Platform, employs or engages you, offers a task, allocates a budget or instructs a payment. It excludes a natural person, sole proprietorship, unincorporated partnership, unincorporated association and any person acting principally in an individual or personal capacity.

“Employee”

an individual employed by a Corporate Customer under a contract of service, including a Malaysian or foreign employee, but excluding a Gig Worker or independent contractor except to the extent the individual separately performs a genuine independent engagement that is distinct from and not part of the individual’s employment duties.

“Gig Worker”

a person who accepts a Task Order and includes a gig worker within the Gig Workers Act 2025 where applicable.

“MPay”

ManagePay Services Sdn Bhd (Company No. 200001014035 (516641-W)), the regulated provider of the MPay wallet and Mastercard prepaid card, and, only after all required regulatory, scheme, provider and contractual approvals or consents and compliance with the existing MPay arrangement, another appropriately licensed issuer designated in writing by OMA as its replacement for the relevant service.

“MPay Terms”

the terms, product disclosure, fee schedule, privacy notice and consent issued or approved by MPay.

“OMA Platform”

OMA’s mobile application, portal, software, APIs, workflow, records, notifications and support interface.

“Task Order”

the specific task particulars accepted by a Corporate Customer and Gig Worker through the OMA Platform.

“you”

the individual identified through the account and acceptance record.

Eligibility and capacity

1. You may use the OMA Platform only if you are at least 18 years old, have legal capacity, provide true and complete information, and are lawfully entitled to perform the relevant role or receive the relevant payment.
2. If you use the OMA Platform for a Corporate Customer, you confirm that you are authorised for the assigned role. You must not claim authority to approve a payment, task, budget or administrator action that you do not have.
3. A Gig Worker covered by the Gig Workers Act 2025 must be a Malaysian citizen or permanent resident and satisfy the statutory definition. A person outside that definition may still use a lawful contractor workflow, but statutory rights apply only as provided by law.

Account registration and verification

1. Your account is personal to you. You must provide accurate, current and complete identity, contact, nationality, residence, tax residence, tax-identification, employment or engagement, place-of-service, payment-account and verification information requested for your role.
2. OMA, MPay or an Approved Payment Provider may require identity documents, liveness or biometric verification, beneficial-owner, source-of-funds or source-of-wealth information, payment-purpose evidence, sanctions or fraud screening and additional records. MPay or the relevant Approved Payment Provider, not OMA, makes the final regulated onboarding and transaction-risk decision.
3. You authorise OMA to verify information using lawful sources and to transmit it to the Corporate Customer, MPay, Approved Payment Providers, identity and screening providers, payment schemes, intermediary or recipient institutions and authorities as described in the Privacy Notice. You must promptly correct information that becomes inaccurate.
4. OMA may decline, delay or limit platform registration or transmission if information is incomplete, cannot be verified, conflicts with other records or raises a legal, sanctions, security, fraud, financial-crime, eligibility or country-risk concern. MPay or the relevant Approved Payment Provider separately makes any regulated decision to reject, block, freeze, return, reverse, suspend or close an account, transaction or funds.

OMA’s role

1. OMA supplies technology, administrative workflow, records, reporting, notifications, support and transmission of authorised instructions. Except where Applicable Law imposes a direct duty, OMA does not:

   1. employ you, determine your wages or employment rights, or act as your employment or tax adviser;
   2. offer, purchase, supervise, direct or accept a task, or determine the task’s earnings;
   3. hold your money as a bank, accept a deposit or issue e-money;
   4. carry on remittance, money-changing, foreign-exchange dealing or another regulated payment business as principal;
   5. guarantee payment by a Corporate Customer or acceptance of a transaction by MPay, an Approved Payment Provider, bank or merchant; or
   6. control the Corporate Customer’s recruitment, performance assessment, expense policy or employment decisions.
2. These Terms do not waive a right or duty that Applicable Law makes non-excludable. If the actual facts or law impose a direct obligation on OMA, OMA will perform that obligation despite the description above.

Corporate-customer relationship

1. A Corporate Customer is a duly incorporated or established body corporate. OMA does not provide the enterprise service to an individual, sole proprietor, unincorporated partnership or unincorporated association.
2. The Corporate Customer is responsible for the underlying employment, engagement, task, budget, expense and payment decision. Questions about your salary, task scope, acceptance, earnings, benefit, reimbursement, tax or manager approval should first be addressed to the Corporate Customer, unless the issue concerns OMA Platform access, security or an OMA statutory duty.
3. A Corporate Customer may configure your permissions, budgets, approval limits and access for its organisation. Removal from that organisation does not necessarily close a personal MPay account, which remains governed by MPay Terms.
4. If you are an Employee, your employment relationship, wages, benefits, working conditions and employment rights remain governed by your employment contract, the Corporate Customer’s applicable employment policies and Applicable Law. These Terms govern only your access to and use of the OMA Platform and do not replace or amend your employment contract.

Payroll and wages

1. OMA may provide payroll workflow and transmit an approved wage-payment instruction, but the Corporate Customer remains your employer and owes all wages and employment entitlements.
2. If you are not an eligible foreign employee, wages must not be paid to an MPay payment instrument merely because the function is available. Your employer must use a method permitted by the Employment Act 1955 and applicable labour law.
3. If you are an eligible foreign employee, wage payment through MPay requires a separate, informed written or electronic consent after you receive the MPay Terms, fees and material product information. General acceptance of these Terms is not that consent.
4. If your wage method is unavailable or no longer lawful, your employer remains responsible for arranging timely payment through another lawful method.

Corporate budgets and expenses

1. A corporate budget is authority to use the Corporate Customer’s business funds within stated limits. It is not your wages, deposit, loan, gift or personal property unless the Corporate Customer lawfully states otherwise in writing.

2. You must:

   1. use the budget or associated card only for the approved business purpose;
   2. comply with amount, merchant, geography, timing and category limits;
   3. keep and submit complete, genuine receipts and explanations;
   4. promptly report a lost device, card, credential or unauthorised transaction; and
   5. return, permit lawful reallocation of, or account for unused business value when requested.
3. You must not split transactions, falsify records, obtain prohibited cash or cash equivalents, buy personal or illegal items, pay a related party without approval, resell purchases or circumvent controls.
4. A recovery from wages or a personal balance may be made only with lawful authority. OMA does not authorise an unlawful wage deduction merely by providing a recovery workflow.

Tasks and gig services

1. A task displayed through the OMA Platform is an offer from the identified Corporate Customer. You may accept or reject it freely. OMA does not promise a minimum number of tasks or earnings.
2. Before accepting, review the parties, service, period, location, obligations, gross earnings, payment method, benefits or tips, acceptance criteria, expenses, deductions, safety information, intellectual-property terms and cancellation terms in the Task Order.
3. When you accept, the Gig Worker Services Framework Agreement and Task Order form a service agreement between you and the Corporate Customer. OMA records acceptance and administers the workflow but is not ordinarily the purchaser of your service.
4. You shall personally perform the task with reasonable care, skill and diligence, comply with lawful instructions and safety measures, provide honest completion evidence, protect confidential information and avoid conflicts or unlawful conduct.
5. You are free to provide services to others. Nothing in these Terms restricts your right to join, participate in or establish a gig-workers’ association or to exercise a statutory right without retaliation.
6. A description of you as a Gig Worker does not determine whether you are an employee. Actual facts and Applicable Law prevail. You should raise a classification concern with the Corporate Customer and may use the grievance and statutory processes available to you.
7. The Gig Service must not be used for work you perform as part of, arising from or substantially connected with your employment, or to receive salary, overtime, allowances, contractual commission, bonus or other employment remuneration. Employee expense reimbursements must be submitted through the Corporate Budget and Expense workflow or another lawful employee-expense process. An Employee may accept a Task Order only for a genuine independent engagement that is demonstrably separate from the Employee’s employment and is not used to avoid employment obligations.

Earnings, payment and deductions

1. The Task Order states your gross earnings, calculation and payment period. Subject to a good-faith dispute, the Corporate Customer must authorise payment within that stated period. If the Task Order contains no payment period, the default is within seven days after completion, including where the Gig Workers Act 2025 applies.
2. The Corporate Customer assesses completion against the Task Order. It must give a reasoned rejection within the stated review period; otherwise the platform may record deemed acceptance under the framework agreement.
3. OMA may transmit the Corporate Customer’s authorised payment instruction to MPay or an Approved Payment Provider. OMA does not receive, safeguard, convert, remit or settle the funds as principal. A pending or displayed amount is not final until the provider records settlement.
4. No deduction may be made from your earnings, tips or gratuities except a deduction permitted by the Gig Workers Act 2025 or another written law, a permitted recent overpayment correction, or a deduction approved by the Director General in the required form and manner.
5. You may request an earnings slip from the responsible contracting entity. OMA may make the slip available electronically using information supplied by the Corporate Customer.
6. You are responsible for your own income-tax reporting and other obligations as an independent service provider, unless Applicable Law places the obligation on another person. OMA does not provide tax advice.

Social security

1. Where the Gig Workers Act 2025 requires OMA as a platform-provider contracting entity to do so, OMA may submit your information to PERKESO, support registration under the Self-Employment Social Security Scheme, deduct the prescribed contribution from earnings, remit it, display the deduction, notify you of a shortfall or selection and connect with PERKESO systems.
2. The prescribed contribution percentage and procedure may change with Applicable Law. You must provide accurate registration information and take any action PERKESO requires concerning insured earnings, shortfalls or contribution selection.

Safety and health

1. Review the task-specific hazards, controls, training and emergency process before acceptance. Do not start or continue work you reasonably believe presents an imminent serious risk; notify the Corporate Customer and OMA promptly.
2. You must comply with safety and health measures, lawful instructions and emergency procedures provided for the task, use equipment properly, report hazards and incidents, and cooperate with a lawful investigation.
3. The Corporate Customer is responsible for risk assessment, safe equipment and facilities, arrangements and processes, necessary information, instruction, training and supervision, emergency procedures and legally required accident or disease notifications.

Automated systems and human review

1. The OMA Platform may use automated rules or models to:

   1. verify data consistency, device and account risk, duplicate accounts and KYC completeness;
   2. screen transactions or activity for fraud, security, sanctions, limits and unusual patterns;
   3. sort, filter or recommend tasks based on profile, eligibility, availability, location or Customer criteria;
   4. apply Customer-configured budgets, permissions, approval rules and acceptance deadlines; and
   5. flag accounts, tasks or transactions for manual review.
2. Automated signals may affect visibility, delay, review or access, but OMA will provide a non-automated review mechanism where required by law. The Corporate Customer, not OMA’s model, ordinarily makes the final decision on recruitment, task offer, performance acceptance and employment matters.
3. To request human review, submit a written request through [●] identifying the decision, date, account or task and reasons. OMA may require identity verification and will provide an outcome or escalation route within a reasonable period.

Platform suspension and deactivation

1. OMA may restrict or deactivate platform access or suspend processing or transmission if permitted by these Terms, where misconduct occurs in performing a service, or where reasonably necessary for security, fraud prevention, law, provider requirements or protection of users and funds. OMA does not itself freeze or control funds.

2. Where a restriction prevents a Gig Worker from performing services and the Gig Workers Act 2025 applies, OMA shall apply the following process:

   1. OMA may modify or suspend access for an inquiry for no more than fourteen days and shall give written notice;
   2. OMA shall provide a fair opportunity to respond before terminating access or extending suspension based on the inquiry;
   3. if there is no basis for deactivation, OMA shall reactivate access and pay any half-average-daily-earnings amount required by law for the suspension period, calculated using actual service days in the preceding thirty days;
   4. if a contractual basis or misconduct is established, OMA may terminate access and the applicable service agreement or extend suspension for no more than a further seven days;
   5. OMA shall give a written explanation of the decision; and
   6. after any permitted further suspension expires, OMA shall reactivate access unless the service agreement and access were lawfully terminated.
3. OMA may take an immediate, proportionate protective restriction on access, workflow or transmission where necessary to prevent imminent harm, unauthorised transactions or a legal breach, but shall still follow any non-excludable process applicable to Gig Worker deactivation. Any hold, block, freeze, rejection, return or reversal affecting funds is a provider action.
4. Loss of access to one Corporate Customer or product does not necessarily close the entire OMA or MPay account. OMA shall limit action to what is reasonably necessary and permitted.

Complaints and grievance

1. You may submit a written complaint through [●]. Include your identity, relevant Corporate Customer, task or transaction, dates, requested outcome and supporting evidence.
2. A complaint about a Corporate Customer’s task, earnings, safety or engagement decision will be routed to that Customer. A contracting entity required by the Gig Workers Act 2025 must initiate and resolve an internal grievance within thirty days.
3. If a dispute is not resolved, you may use conciliation, the Gig Workers Tribunal, PERKESO, the labour or safety authority, MPay’s dispute process or another competent body where Applicable Law permits. These Terms do not restrict a non-excludable statutory remedy.

MPay wallet and prepaid card

1. MPay, not OMA, issues and administers the MPay wallet and Mastercard prepaid card. You must separately and affirmatively accept the current MPay Terms and complete MPay onboarding before using those services.
2. MPay may set fees, limits, supported transactions, cash access, expiry, dormancy, foreign use, refunds, disputes, replacements and closure, and may reject, block, freeze, return, reverse or restrict an account or transaction under Applicable Law. OMA may suspend platform processing or transmission but cannot override MPay or control the funds.
3. A balance displayed in the OMA Platform may be subject to pending, reversed, delayed, offline or disputed transactions. MPay’s final issuer ledger and settlement record prevail, subject to correction of manifest error.
4. Report a lost card or device, compromised credential and suspected unauthorised transaction immediately through both the OMA and MPay channels stated in the app or MPay Terms.

Cross-border payments

1. A Cross-Border Payment may proceed only through an Approved Corridor, the Approved Payment Provider identified in the current Corridor Notice and the provider-controlled funding and payout accounts stated for that corridor.
2. Before acceptance or transmission, you must review and affirmatively accept the current payer and recipient countries, payment purpose, provider, funding and payout currencies, fees, exchange-rate basis, intermediary deductions, limits, required records, indicative settlement time, return treatment, tax or withholding disclosures and data-transfer conditions. A prior payment, first use, continued use, silence or inactivity is not acceptance.
3. You must provide accurate nationality, residence, tax residence, place-of-service, payment-purpose, source-of-funds and verified-account information and complete KYC, sanctions, fraud and other checks reasonably required by OMA or the Approved Payment Provider.
4. OMA may decline, delay or suspend platform transmission if a Corridor Notice condition is not met or a legal, sanctions, fraud, financial-crime, tax, operational or country-risk concern exists. Only the Approved Payment Provider may reject, block, freeze, return or reverse the funds or transaction.
5. Rates and settlement times may change before provider acceptance. Correspondents, intermediary institutions or recipient banks may impose lawful deductions or delays. The Corporate Customer remains responsible for the underlying wage, earnings or payment obligation and any amount required to deliver an agreed net amount.
6. Mandatory law in the payer, recipient, place-of-work or another connected country may apply despite these Malaysian terms. OMA does not give tax, immigration, employment, foreign-exchange or foreign-law advice.

Account and security duties

1. You must keep your password, PIN, OTP, TAC, card and device secure; use supported and reasonably protected devices; log out of shared devices; and never allow another person to use your account or impersonate you.
2. Notify OMA immediately if access, identity information or a device is compromised. OMA may rely on an action authenticated through your account until it receives and has a reasonable opportunity to act on that notice.
3. OMA will never ask you to disclose a full password, PIN or OTP outside the approved authentication flow. You should verify unusual requests through an official channel.

Acceptable use

1. You must not use the OMA Platform to:

   1. commit fraud, money laundering, bribery, tax evasion, sanctions evasion or any unlawful act;
   2. create a sham task, false timesheet, fabricated expense, false receipt, duplicate claim or circular payment;
   3. harass, discriminate, threaten, exploit or infringe another person’s rights;
   4. circumvent a limit, access control, suspension, merchant restriction, approval or security measure;
   5. upload malware, scrape, probe, reverse engineer, overload or interfere with systems; or
   6. sell, rent, transfer or share an account, card, task or access right.

Your content and work product

1. You retain rights in content you lawfully own. You give OMA a limited right to host, copy, transmit, display and process content as necessary to operate, secure and support the OMA Platform and comply with law.
2. Ownership of a task deliverable is determined by the Gig Worker Services Framework Agreement and Task Order. You must not submit content you have no right to use or disclose.

OMA intellectual property

1. OMA and its licensors own the OMA Platform, software, interfaces, designs, documentation, workflows and related intellectual property. OMA grants you a personal, limited, non-exclusive, non-transferable, revocable right to use the OMA Platform for an authorised role while your account is active.
2. You may not copy, modify, sell, sublicense, reverse engineer, derive source code from or create a competing service from the OMA Platform except to the limited extent a law does not permit that restriction.

Privacy

1. OMA processes personal data as described in the OMA Platform Privacy Notice. A Corporate Customer and MPay process personal data for their own stated purposes and provide their own notices.
2. Where information is mandatory for account security, KYC, payment, payroll, task or legal compliance, refusal may mean OMA, the Corporate Customer or MPay cannot provide the relevant service.
3. You may exercise access, correction, withdrawal, cessation, direct-marketing, data-portability and other rights through the contact in the Privacy Notice, subject to legal limits, technical feasibility, statutory exceptions and retention duties.

Term, closure and continuing records

1. These Terms continue while you have an OMA account. You may request closure through [●], subject to identity verification, pending tasks, transactions, disputes, legal holds, Corporate Customer access and MPay’s separate closure process.
2. OMA may close an inactive account after reasonable notice or terminate for material breach, fraud, unlawful conduct, loss of eligibility or discontinuation of the service, subject to the Gig Worker deactivation process where applicable.
3. Closure does not cancel accrued wages, earnings, expenses, debts, disputes or lawful record-retention. Terms concerning payment, intellectual property, confidentiality, privacy, liability, evidence and disputes survive as necessary.

Disclaimers and liability

1. OMA will provide the OMA Platform with reasonable skill and care but does not guarantee uninterrupted access, a minimum task or earnings level, acceptance by MPay, payment by a Corporate Customer, merchant acceptance or a particular tax, employment or business result.
2. Nothing excludes or limits liability that cannot lawfully be excluded, including fraud and liability for death or personal injury caused by negligence to the extent applicable, or your non-excludable right to wages, earnings, Programme Funds or a statutory remedy.
3. Subject to clause 22.2, OMA is liable only for direct loss reasonably foreseeable from OMA’s breach. OMA is not liable for indirect or consequential loss, loss of profit, opportunity, reputation or data, or a loss caused by the Corporate Customer, MPay, a bank, merchant, your instructions, inaccurate data, compromised credentials or failure to mitigate.
4. Subject to clause 22.2, OMA’s total liability to you for ordinary platform claims in any twelve-month period is limited to the greater of RM1,000 and the amount of OMA platform fees you personally paid in that period. This cap does not reduce a direct payment obligation that Applicable Law places on OMA as contracting entity.

Your responsibility

1. You are responsible for loss caused by your fraud, deliberate misconduct, unlawful use, unauthorised account sharing or infringement. To the extent permitted by law, you shall reimburse OMA for a third-party claim directly caused by that conduct, but not for loss caused by OMA’s breach or a matter for which you have a non-excludable statutory protection.

Changes to these Terms

1. OMA may amend these Terms prospectively for law, security, product or operational reasons and will give reasonable notice of a material change through the app, email or another durable electronic method. A material non-mandatory change requires an authenticated affirmative acceptance; first use, continued use, silence or inactivity alone is not acceptance.
2. A change will not retrospectively reduce agreed earnings, alter an accepted Task Order without consultation and agreement, waive a statutory right or impose a less favourable term than Applicable Law.
3. If you do not accept a material non-mandatory change, you may stop using the affected service and request closure, subject to completion of pending obligations. A mandatory legal or security change may take effect on the stated date.

Electronic communications and evidence

1. You agree that terms, Task Orders, Corridor Notices, payment functions, provider documents, consents, instructions, approvals, notices, payslips, earnings slips and records may be presented, affirmatively accepted and retained electronically where permitted by law. Each Task Order, Corridor Notice, material variation and wage consent requires the distinct acceptance applicable to it.
2. OMA may record your identity, document version or hash, affirmative action, authentication result, date and time, IP address, device or session identifier and related audit evidence. You can download or request a reproducible copy.
3. An electronic record is attributable to you when created through your authenticated account or another reliable method associated with you, unless you promptly report unauthorised use and provide reasonable evidence.

General and governing law

1. These Terms, the Privacy Notice and any role-specific terms presented to you form the agreement between you and OMA for the OMA Platform. MPay Terms and a Task Order remain separate agreements with the identified parties.
2. You may not transfer your account or rights. OMA may transfer these Terms to an affiliate or successor that can perform them and lawfully protect your data, with notice where required.
3. If a provision is invalid, it is modified or severed to the minimum extent necessary. Delay in enforcing a right is not a waiver.
4. These Terms are governed by Malaysian law. Malaysian courts have jurisdiction, but nothing restricts a non-excludable right to use an internal grievance, conciliation, the Gig Workers Tribunal, PERKESO, a labour or safety authority, MPay’s process or another competent body.
5. OMA contact: Support [●] Legal notices [●] Gig grievance [●] Privacy [●]