3.1. Our business partnership with Liquid Group. “Changi Pay” is a payment services widget that is maintained, provided by and operated by Liquid Group, and such widget is hosted on the Changi App. Changi Pay is made available for use pursuant to CAG’s business partnership with Liquid Group and the use of Changi Pay requires the creation of a Changi Pay Account.

3.2.

(a) Liquid Group is the issuer and operator of Changi Pay and Changi Pay Accounts, and it provides payment services relating to the use of Changi Pay and Changi Pay Accounts. CAG is marketing the aforesaid payment services on behalf of Liquid Group. Liquid Group is the holder of a Major Payment Institution licence for account issuance, domestic money transfer, cross-border money transfer, merchant acquisition and e-money issuance under the Singapore Payment Services Act 2019 (“PS Act”).

(b) The use of Changi Pay and the Changi Pay Account are subject to:-

i. these Terms for the CAG managed/administered functions or features on Changi Pay; and

ii. Liquid Group’s terms and conditions relating to Changi Pay (“Liquid Group T&Cs”) in relation to all other aspects. Please refer to: https://liquidgroup.sg/changi-pay-terms-of-use/ for the Liquid Group T&Cs.

3.3. Eligibility. To register for and create a Changi Pay Account, you must have downloaded the Changi App on your device, be a Changi Account User, and meet all other eligibility requirements under the Liquid Group T&Cs (including but not limited to being at least 18 years of age, or the minimum legal contracting age in your country, whichever is the higher).

3.4. By registering for and creating a Changi Pay Account:-

(a) You represent and warrant that you are eligible to register and create a Changi Pay Account in accordance with paragraph 3.3 above;

(b) You represent and warrant that all media, Personal Data and other information or data provided about yourself or others to CAG that may be used for purpose of the Changi Pay Account are true, complete and accurate.

3.5. Functions available on Changi Pay and Changi Pay Accounts, and relevant terms of use. The functions available on Changi Pay and Changi Pay Accounts as at the date of these Terms are as set out below. The available functions may be revised from time to time.

(a) Changi Rewards loyalty programme administered by CAG (“CR”)

(i) Your Changi Pay Account will be automatically linked to your CR account, through your CR membership number.

(ii) You will be able to view the available CR e-voucher(s) credited into your CR account and apply such CR e-voucher(s) towards your eligible purchases made at Singapore Changi Airport or Jewel Changi Airport.

(iii) Where you carry out eligible payment transactions for purchases at Singapore Changi Airport and/or Jewel Changi Airport using your Changi Pay Account, the CR points awarded on your spending will be credited into your CR account automatically.

(iv) The redemption of CR points to CR e-vouchers or other items in the CR redemption catalogue can only be carried out through the Changi App or through “rewards.changiairport.com”, and not through Changi Pay or your Changi Pay Account.

(v) CR, including but not limited to the use of CR e-voucher(s) and the award and redemption of CR points, is subject to the CR terms and conditions (https://rewards.changiairport.com/en/terms-and-conditions.html).

(b) Tokenised Credit Card/ Debit Card

(i) You can tokenise your credit card/ debit card to, or remove such tokenised credit/ debit card from, your Changi Pay Account in accordance with the Liquid Group T&Cs.

(ii) Your tokenised credit card/ debit card can be used to make contactless payment at merchants who accept such contactless payments by Changi Pay, such as merchants who are acquired by Liquid Group. Such use shall be subject to the Liquid Group T&Cs and the terms and conditions of your tokenised credit/ debit card.

(c) Third-party vouchers

(i) From time to time, third parties may issue e-vouchers which are published by Liquid Group in various e-wallets, such as Changi Pay (“Third Party Vouchers”). You may save these Third Party Vouchers in your Changi Pay Account and use them.

(ii) The use of such Third Party Vouchers is subject to the terms and conditions of the relevant Third Party Voucher.

(d) CAG-issued e-vouchers (other than CR e-vouchers)

(i) Other than CR e-vouchers, CAG may issue other types of e-vouchers that can be credited to your Changi Pay Account (“CAG e-vouchers”) and the use of such CAG e-voucher(s) is subject to their terms and conditions. The aggregate value of these CAG e-voucher(s) in a Changi Pay Account shall not at any time exceed S$1,000 or such other lower limit as may be prescribed through the terms and conditions of the relevant CAG-administered programme in respect of the CAG e-voucher(s), whichever is lower. CAG may from time to time prescribe through these Terms or through the terms and conditions of the relevant CAG-administered programme in respect of the CAG e-voucher(s), different limits on the value of any activity or transaction involving these CAG e-voucher(s).

(e) E-money payment function and linking of Liquid Account

(i) You have the option of activating the e-money payment function in Changi Pay by linking your Liquid Account ("Linked Liquid Account") with your Changi Pay Account. After the e-money payment function is activated, you may initiate and execute payment transactions both locally and overseas using the e-money within your linked Liquid Account via Changi Pay at participating merchants (currently available in Singapore and China) who accept payments routed through the Payment QR Network.

(ii) For the avoidance of doubt, the creation and use of a Liquid Account is subject to Liquid Group’s terms and conditions relating to Liquid Account (“Liquid Account T&Cs”). Please refer to https://liquidgroup.sg/liquid-group-terms-of-use/ for the Liquid Account T&Cs.

(iii) CR points will not be awarded for the following transactions:-

(1) Topping up of your Linked Liquid Account with e-money; and/or

(2) Payment transactions carried out using Changi Pay through the Linked Liquid Account.

(f) For purposes of these Terms:-

(i) “Liquid Account” refers to a payment account issued by Liquid Group to customers who have successfully registered the account with Liquid Group, which allows such customers to (as applicable):-

(1) Enable secure top-ups* and/or fund transfers via PayNow;

(2) Enable payments to merchants;

(3) Perform real time money transfers by using mobile number, NRIC/FIN, UEN, or Virtual Payment Address (VPA) via PayNow or FAST rails; and/or

(4) Use such other features and functions as may be enabled by Liquid Group from time to time.

*For the purposes of Changi Pay, only this feature is available to date which will enable you to make top-ups to your Liquid Account that is linked to Changi Pay via PayNow. Progressive roll-outs of the remaining features are estimated to be completed and made available for use by early Q1 2024 or such other date as may be notified by Liquid Group.

(ii) “Payment QR Networks” means the Alipay+, PayNow and/or SGQR acceptances*.

*For the purposes of Changi Pay, payment via SGQR acceptances will be available from 1 November 2023 onwards (or such other date as may be notified by Liquid Group).

3.6. Your Responsibilities

(a) You are responsible for all transactions and activities through the Changi Pay Account. You will be solely liable for all instructions, transactions and activities conducted through (or purportedly through) your Changi Pay Account regardless of whether or not they were authorised by you. You will be responsible for all access to or use of your Changi Pay Account.

(b) You are solely responsible for all content you upload. You agree that you upload, share or transmit all content (including Personal Data) (“User Content”) at your own risk. We are not obliged to retain the User Content and you are encouraged to retain a back-up of it.

(c) Other things you cannot do. There are some things that you shall not, and shall not permit any person to do:

(i) Reproduce, reverse engineer, modify, adapt, decompile, redistribute, sublicense, prepare derivative works from, translate, disassemble, or otherwise attempt to derive source code from (i) Changi Pay; (ii) the Changi Pay Account; or (iii) any and all works of authorship, documents, software, content, know-how, inventions, processes, designs and other materials supplied or made available to you in connection with Changi Pay or Changi Pay Account (the “Account Materials”);

(ii) Use Changi Pay, Changi Pay Account and/or Account Materials for any illegal activity, unlawful purpose, or for any purpose prohibited by these Terms. You must comply with all applicable laws, statutes, rules or regulations (“Applicable Laws”) in your use and access of Changi Pay, Changi Pay Account and/or Account

Materials;

(iii) Upload, share or transmit any User Content of any type that: (A) implies endorsement, association or affiliation with us (where there is none), (B) violates Applicable Laws, (C) is false, offensive, inappropriate, profane, defamatory, obscene, indecent, inaccurate, misleading or fraudulent, (D) might incite hatred in or offend any ethnic or religious group, (E) breaches any obligation of confidentiality, rights of personality or privacy, and/or infringes or violates any rights of any person including intellectual property rights;

(iv) Log into or use any Changi Pay Account that is not yours or use the Account Materials to access data not intended for you.

(d) Protection against unauthorized use.

To protect your Changi Pay Account against any unauthorized use, you shall not disclose your personal identification number (“PIN”) or any other access codes to your Changi Pay Account to any other person. In addition, you shall not allow any other person to use your Changi Pay Account to carry out any payment transaction to avoid compromising the security of your Changi Pay Account.

(e) You agree to compensate us in certain situations. You shall indemnify and hold us harmless from and against all claims, demands, choses in action, judgments, suits, proceedings, liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties, legal costs (calculated on a full indemnity basis and including solicitor and client costs) and all other professional costs and expenses) suffered or incurred by us arising out of or in connection with:

(i) Your use or misuse of Changi Pay, your Changi Pay Account and/or Account Materials;

(ii) The User Content;

(iii) Your acts, defaults or omissions or any breach, performance, negligent performance or non-performance of this Agreement;

(iv) The breach of any representation or warranty that you make under this Agreement;

(v) The enforcement of this Agreement; and/or

(vi) Any claim made against us for actual or alleged infringement of a third party’s IP rights or breach of confidentiality arising out of or in connection with this 22 Agreement.

3.7. How your Personal Data may be Used

(a) You consent to providing us with your Personal Data. To use Changi Pay and/or create a Changi Pay Account, you will need to provide Liquid Group with your credit card details, and information about your nationality and national identification number in accordance with your national identification documents (“ID Info”), which will be processed in accordance with Liquid Group T&Cs. If you wish to set up Liquid Account through Changi Pay, you will also need to provide Liquid Group with additional Personal Data (including but not limited to your name, date of birth) as Liquid Group may require from time to time to issue you with a Liquid Account and such additional Personal Data collected directly by Liquid Group from you will be processed in accordance with Liquid Group T&Cs. The use of Changi Pay and the Changi Pay Account requires the processing of your Personal Data, including your name, email, contact number and your CR membership number. By accessing and using Changi Pay and Changi Pay Account, you consent to us processing your Personal Data in the following manner:-

(i) We may use your Personal Data collected under these Terms and/or other CAG-administered programmes for the purposes of (i) your use of Changi Pay and/or the Changi Pay Account and your enjoyment of the functionalities and experience of Changi Pay and/or Changi Pay Account under these Terms and the Liquid Group T&Cs; (ii) enabling Liquid to provide you with the services in accordance with the Liquid Group T&Cs (including enabling Liquid Group to process any Changi Pay Account related transaction, such as payment, voiding payment, managing dispute resolution and carrying out refunds, to contact you for issues relating to transactions carried out with your Changi Pay Account and taking steps to verify your identity, and where applicable, to create and issue Liquid Account to you so that you can initiate and execute payment transactions with your Linked Liquid Account via Changi Pay); and (iii) optimizing your experience of Changi Pay and/or Changi Pay Account through the provision of relevant and personalized content designed to make the user experience smoother and more enjoyable (collectively, the “Relevant Purposes”).

(ii) We may disclose your Personal Data to Liquid Group and also to any of our subsidiaries, affiliates, service providers, tenants, partners and/or agents for the Relevant Purposes.

(iii) We may collect, use, disclose, store and otherwise process any of your Personal Data in accordance with all applicable privacy laws and CAG’s Privacy Policy (https://www.changiairport.com/en/privacy-policy.html).

(iv) We may use all Personal Data that had been provided to us prior to, after or through the creation of the Changi Pay Account in the manner described above.

(b) You represent and warrant that any Personal Data you disclose to us and/or have about you or any other person is true, complete and accurate.

(c) Amending your Personal Data. If you wish to make any change to your name, mobile number or email address for purpose of Changi Pay or your Changi Pay Account, please make such changes through your Changi Account. You consent to CAG informing Liquid Group of such changes for the Relevant Purposes.

3.8. Your termination of Changi Pay Account

(a) Terminating your Changi Pay Account. You can terminate your Changi Pay Account in accordance with Liquid Group T&Cs. Upon termination of your Changi Pay Account, your obligations under these Terms shall cease. For the avoidance of doubt, you will still be responsible for all obligations up to the termination date (including any payment obligations), and we can take action against you for any antecedent liability before the termination date.

3.9. For purpose of these Terms:-

(a) “Changi App” means the mobile application owned by CAG known as ‘Changi App’.

(b) “Changi Account User” means a user who has signed up with CAG for an account issued by CAG to allow such user to access the relevant platforms and programmes run by CAG from time to time (including but not limited to iShopChangi, Changi Rewards), such account known as a “Changi Account”. The Changi Account terms and conditions may be accessed here (https://login.changiairport.com/static/login/files/terms_and_conditions_en.html).

(c) “Changi Pay Account” means the registered Changi Pay payment account issued and operated by Liquid Group, and issued to a User, which may be used to initiate payment orders or execute payment transactions.

(d) “Personal Data” means data, whether true or not, about an individual who can be identified from that data or from that data and other information to which the organisation has or is likely to have access.

e) “User” means you or any individual who has successfully registered (and who continues to be so registered) with Liquid Group to use Changi Pay and the Changi Pay Account.

4.1. Changi Pay, Changi Pay Account and Account Materials are made available on an “as is” and “as available” basis without warranties of any kind. To the fullest extent permitted by the law, we do not make any representations or warranties of any kind related to Changi Pay, Changi Pay Account and the Account Materials, and disclaim all express, implied or statutory warranties of any kind to you or any third party, whether arising from usage or custom or trade or by operation of law. This includes a disclaimer on warranties of accuracy, completeness, correctness, timeliness, reliability, availability, interoperability, security, non-infringement, title, merchantability, quality or fitness for any particular purpose of Changi Pay and Changi Pay Account.

4.2. What we are not responsible for.

(a) For the avoidance of doubt, CAG is not the issuer and/or operator of Changi Pay, Changi Pay Accounts and Liquid Accounts, and does not provide payment services relating to the use of Changi Pay, Changi Pay Accounts and Liquid Accounts, and these Terms is not an agreement with you to issue and/or operate Changi Pay, Changi Pay Account and Liquid Account.

(b) Liquid Group is the provider of all payment services carried out through Changi Pay and Changi Pay Accounts, and Liquid Group is responsible for the payment transactions carried out using Changi Pay and Changi Pay Accounts. We do not contract on behalf of you, or any User, to accept any funds (including funds paid by any bank in respect of purchases charged to the credit/ debit card tokenized on your Changi Pay Account or funds pre-paid by you for e-money stored in Liquid Account) for the purpose of transferring or arranging to transfer such funds to merchants for payment transactions carried out using Changi Pay and Changi Pay Accounts.

(c) Changi Pay is provided by Liquid Group on compatible devices. There are some things that we are not responsible for because they are out of our control or they relate to how Changi Pay works or some other system that Liquid Group uses, including but not limited to (i) the performance or operation of your device; (ii) the performance or operation of Changi Pay; (iii) if Liquid Group stops or suspends you from using Changi Pay, your Changi Pay Account or Linked Liquid Account, or if your device no longer works with Changi Pay.

(d) We are not under any obligation to verify the authenticity of any transactions and activities conducted through your Changi Pay Account or Linked Liquid Account.

(e) We will not verify any use or access to your Changi Pay Account using any fingerprint recognition feature, face recognition feature or passcode stored on any of your devices. Please note that due to how Face/Touch ID works, if you enable the Face/Touch ID function on Changi Pay, any registered biometrics on your device (even those not belonging to you) will be permitted to access your Changi Pay Account.

(f) We are not responsible for the performance of Liquid Group or any other third parties regarding any arrangement or agreement you enter into with them in relation to Changi Pay your Changi Pay Account and your Linked Liquid Account.

(g) All transactions carried out with your Changi Pay Account and Linked Liquid Account are transactions between yourself and the relevant merchant. We are not responsible or liable for the acts or default of any merchant (including in respect of any defect or deficiency in the goods and/or services provided by the merchant). We are not an agent or representative of the merchant.

4.3. What else we cannot guarantee. There are certain things we cannot provide an assurance of:-

(a) We do not guarantee continuous accessibility to all functions and features of Changi Pay, your Changi Pay Account and Linked Liquid Account or uninterrupted operation of Changi Pay, your Changi Pay Account and Linked Liquid Account, or that access and use of Changi Pay, your Changi Pay Account and Linked Liquid Account will be error-free.

(b) We do not guarantee that defects will be corrected or that Changi Pay, your Changi Pay Account and Linked Liquid Account, and all connected servers, will be free of all viruses and/or other malicious, destructive or corrupting code, programme or macro.

(c) We do not guarantee that the use of Changi Pay, your Changi Pay Account and Linked Liquid Account will not be an infringement or misuse of any third-party rights, including intellectual property rights.

4.4. No liability for direct, indirect or consequential damages. We are not liable to you or any third party for any damage or loss of any kind including direct or indirect, special or consequential damages, loss of income, revenue or profits, loss or damage to data, or damage to your device, software or any other property, even if we had been advised of such damage or loss or were negligent, whether arising directly or indirectly in connection with:-

(a) The download, installation, access to or use of Changi Pay, Changi Pay Account, Liquid Account and/or the Account Materials.

(b) Any loss or unavailability of access to or use of Changi Pay, Changi Pay Account, Liquid Account and/or the Account Materials.

(c) Any breakdown or malfunction of any equipment system or software used in connection with Changi Pay, Changi Pay Account, Liquid Account and/or the Account Materials, whether belonging to us or not, including any electronic terminal, server, system, telecommunication or other communications network or system.

(d) Any use, misuse, purported use or misuse or unauthorised use of Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials.

(e) Any inaccuracy or incompleteness, or delays, interruption or errors or omissions, in the transmission of the Account Materials.

(f) Any loss or corruption of any of your data and any content you upload, share or transmit (including Personal Data) in the course of your access or use of Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials.

(g) Any Personal Data breach, or breach of security of Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials, whether it is from errors, unauthorised access, corruption or destruction of systems (including those caused by any security vulnerabilities, viruses, malware, malicious, destructive or corrupting code, programme or macro, Trojan horses, defects, or other cybersecurity incidents).

(h) Any infringement or misuse of third-party rights, including intellectual property rights, by us in connection with Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials.

(i) Any transaction carried out using Changi Pay and your Changi Pay Account and Linked Liquid Account (including any erroneous or unauthorised transaction).

(j) Any enhancement, upgrade, modification, maintenance or updates to Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials carried out by Liquid Group.

(k) Any denial of, restriction of access to, or suspension of, your Changi Pay Account and/or Linked Liquid Account by Liquid Group.

(l) Any act, omission, negligence, misconduct or default of Liquid Group and its employees, contractors and/or agents, in relation to Changi Pay, your Changi Pay Account and/or Linked Liquid Account.

4.5. Without limiting any of the above, no action may be brought by you against us, under these Terms or related to Changi Pay, your Changi Pay Account and Linked Liquid Account and/or the Account Materials, more than 1 year after the cause of action arose.

5.1. We may take verification measures. Even though you are solely responsible for anything that happens through your Changi Pay Account and Linked Liquid Account, we may choose to take verification measures that require you to prove your identity or confirm your actions conducted on your Changi Pay Account. We are not obliged to take these measures but if we do so we may decline to act on your instructions or delay acting on your actions through the Changi Pay Account, without liability to you for any losses, damages, costs or expenses suffered or incurred (collectively, “Liability”)

5.2. We may verify the eligibility of your purchases. Where we issue to you any benefit or reward (such as vouchers, discounts, CR points etc.) on eligible purchase transactions made using your Changi Pay Account, we may conduct verification checks on the eligibility of the relevant purchase transactions. We reserve the right to withdraw from you any benefit or reward that has been issued erroneously or by mistake.

6.1. We own or have licenses to all the intellectual property in connection with Changi Pay, Changi Pay Account and the Account Materials. Intellectual property includes copyright, trademarks, trade secrets, designs and patents, registered or not (“IP”). This includes IP in any of Changi Pay, Changi Pay Account and Account Materials, like software, code, graphical user interfaces, media, content or logos, made available or accessible via Changi Pay and/or Changi Pay Account. You cannot use or reproduce any IP including trademarks, logos, trade names or similar marks, from Changi Pay and/or Changi Pay Account, without our prior written consent or that of the relevant third-party licensor notified by us.

6.2. Feedback deemed to be non-confidential. All feedback about Changi Pay and/or Changi Pay Account shall be deemed to be non-confidential, and CAG is free to adopt or use this feedback for any purpose without account to you.

7.1. There may be hyperlinked material not maintained or controlled by us. Some of the webpages in Changi Pay may hyperlink to pages or material not within our control. You access such pages or material at your own risk, and we will not be liable for any damages or loss from access to the hyperlinked pages or material.