Terms and Conditions
1. These terms
1.1 What these terms cover. These are the terms and conditions:
(a) governing your use of https://www.supabaza.com (“Website”) or the Supabaza mobile application (“App”) (collectively, the “Services”); and
(b) on which you can purchase products from us.
1.3 This is our entire agreement with you. The Supabaza Terms constitute the entire agreement between us in relation to your use of the Services and our supply of the products to you. You acknowledge that you have not relied on any statement, promise, representation, assurance or warranty made or given by or on behalf of us which is not set out in the Supabaza Terms and that you shall have no claim for misrepresentation based on any statement in the Supabaza Terms.
2. Information about us and how to contact us
2.1 Who we are. We are Supabaza Sdn Bhd a company registered in Malaysia. Our company registration number is 202001025717(1382037-P) and our registered office is at Suite 13-10, Level 13, Johor Bahru City Square (Office Tower), 106-108, Jalan Wong Ah Fook 80000 Johor Bahru, Johor.
2.2 How to contact us. You can contact us by telephone at 019-706-0312 or by writing to us at firstname.lastname@example.org.
2.3 How we may contact you. If we have to contact you, we will contact you at the phone number, email address or postal address you provided to us when you register an account with us (“Account”) or throughout the course of your use of the Services.
2.4 "Writing" includes emails. When we use the words "writing" or "written" in these terms, this includes emails.
3. Account and Use of the Services
3.1 Creating an Account. You may create an Account on the Services to access certain conveniences available only to users with a valid Account.
3.2 Minimum Age Requirement. You shall be at least 18 years old and be legally capable of entering into a binding agreement to register for an Account, to use the Services, or to purchase products from us.
3.3 Obligation to provide accurate and current information. All information you provide to us when you create an Account or throughout the course of your use of the Services shall be accurate, up to date and truthful. If there are any changes to your information, you shall promptly notify us.
3.4 Obligation to maintain security of Account. You are solely responsible for keeping passwords and other Account identifiers safe and secure. You are entirely responsible for all activities, acts, or omissions that occur under your Account. We are not liable for any damages, liabilities, losses, or any other consequences caused (directly or indirectly) arising from the use, whether or not authorized by you, of your Account.
3.5 Contact Supabaza if your Account is compromised. Furthermore, you must promptly notify us of any unauthorized use of your Account.
3.6 Account inactivity. We may terminate your Account if our records show that there has been no activity (e.g. logins or purchases) for your Account for a period exceeding 12 months.
4. Personal data
4.2 Non-personally identifiable data. Additionally, we may collate your personal data into non-personally identifiable forms and share them with third parties for reasons unrelated (or not directly related) to your use of the Services.
5. Our contract with you
5.1 Right to refuse service. We reserve the right to refuse to provide access to the Services to anyone for any reason at any time.
5.2 How we will accept your order (all or part of your order being “Order”). Our acceptance of your Order will take place when we send an order confirmation notice to you via email or SMS.
5.3 If we cannot accept or fulfil your Order. We reserve the sole and absolute discretion to cancel your Order for any reason whatsoever, without prior notice. If we cancel your Order, you shall only be entitled for a refund of any sums you have paid in advance foryour Order.
5.4 Your order number. We will assign an order number to your Order and tell you what it is when we accept your Order. It will help us if you can tell us the order number whenever you contact us about your Order.
5.5 Changes to your Order. You will not be able to make changes to your Order or cancel your Order after you confirm it.
5.6 We only sell to customers in Malaysia. Our products are only available for purchase by customers in Malaysia. We do not accept Orders from addresses outside of Malaysia. We do not deliver to addresses outside of Johor Bahru, Kulai and Pontian districts in Johor, Malaysia.
6. Our products
6.1 Products may vary from their pictures. The images of the products on the Services are for illustrative purposes only. The product(s) you purchase may vary from the images.
6.2 Products may vary from their descriptions. The product(s) you purchase may vary from their sizes, weights, capacities, dimensions, measurements or any other descriptors indicated on the Services.
6.3 Product packaging may vary. The packaging of the product may vary from those shown in images on the Services.
6.4 Discounted price for group buys. We offer discounted prices for group buys above a certain volume, offers for which may change from time to time. Please refer to the product listings on the Services for more details.
7. Changes to the Products
7.1 Changes made by manufacturers or distributors. There may be changes made to a product by the manufacturers or distributors of the products:
(a) to reflect changes in relevant laws and regulatory requirements;
(b) to implement adjustments and improvements,
We shall not be liable for any changes made to the products by the manufacturers or distributors of the products. You shall not be able to reject/return the products, or be entitled to a refund for the products, due to the above reason.
8. Receiving your Order
8.1 How you can receive your Order. There are two ways you can choose to receive your Order. You can either opt for:
(a) self-collection at one of our indicated collection points managed by our collection agents; or
(b) delivery to your indicated address by our delivery agents.
(collectively, “Fulfilment” or “Fulfil”)
Our collection and delivery agents may be Community Partners (“CPs”) or a logistics company, who are our contractors.
8.2 Self-collection and delivery costs. The costs of self-collection and delivery are as follows:
(a) Self-collection: RM0.00 per Order
(b) Standard delivery: RM0.00 per Order
(c) Express delivery: RM2.00 per Order
After Order confirmation, no changes to the mode of Fulfilment will be permitted. For the avoidance of doubt, if you opt for delivery but eventually decide to self-collect your Orders, there shall be no refund of the difference in cost of the two options.
8.3 How you can find out the status of your Order. We will inform you of the status of the Fulfilment of your Order from time to time (e.g. whether it has been collected/delivered) via email or SMS.
8.4 When we will Fulfil your Order. We will attempt to Fulfil your Order based on the schedule indicated in your order confirmation notice, and in any event within 30 days after the day on which we accept your Order. If we do not Fulfil your Order within 3 business days of the schedule indicated in your order confirmation notice or within 30 days after the day on which we accept your Order (whichever is later), you may cancel your Order. If you cancel your Order, clause 8.14 shall apply.
8.5 We are not responsible for delays outside our control. If your Order is delayed by an event outside our control (e.g. due to the collection or delivery agents, acts of God, pandemics, natural disasters or other events beyond our control), we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. If there is a risk of substantial delay you may contact us to cancel the Order. If you cancel your Order, Clause 8.14 shall apply.
8.6 Self-collection. If you have chosen to self-collect your Order from a collection point, you can collect them from the collection point at a mutually agreed time between you and the collection agent (whose contact information will be provided to you). If you do not self-collect your Order within 3 days from when it becomes available for collection, we reserve the sole and absolute discretion to cancel your Order. If we cancel your Order, clause 8.14 shall apply.
8.7 Doorstep delivery. If no one is available at your address to take delivery of your Order the first time we attempt delivery, we will contact you to rearrange delivery. If no one is available at your address to take delivery of your Order the second time (and subsequent times, if applicable) we attempt delivery or we are unable to contact you to rearrange delivery 3 days after the first delivery attempt, we reserve the sole and absolute discretion to cancel your Order and blacklist you from purchasing products from us and/or using the Services. If we cancel your Order, Clause 8.14 shall apply.
8.8 If we are unable to Fulfil your Order. If we (being Supabaza or our collection agents or our delivery agents) are unable to Fulfil your Order due to reasons, including but not limited to, your address being in remote or restricted areas, bulky parcel dimensions that cannot fit the lift; out-of-service lift upon arrival, we may, at our sole and absolute discretion, either cancel your Order or contact you to arrange a mutually agreeable alternative means of delivery (which may be accompanied by additional charges to be mutually agreed prior to such delivery). If we cancel your Order, Clause 8.14 shall apply.
8.9 When you become responsible for the products in your Order. The products will be your responsibility from the time (i) we deliver them to the address you gave us or (ii) you collect them from us. It is your responsibility to check the condition of products immediately upon receiving them and to notify us or the CPs (whichever is applicable) within 3 days if you discover any defects or damage to your goods. We are not liable for any goods that are lost or damaged after they have been passed to you.
8.10 When you own the products. You own the products once we have received payment for them in full.
8.11 Your rights if we are unable to complete your Order. If we are unable to complete your Order for longer than 30 days from the date we accepted it, you may cancel it. We will refund any sums you have paid in advance for your Order.
8.12 We may withhold Fulfilment of your order if you do not pay. If you do not pay us in full for all the items in your order when you are supposed to (see clause 12.3), we will withhold Fulfilment of all the items until you have paid us the outstanding amount. The Fulfilment of the items will only take place within one month from the time such outstanding amount is paid.
8.13 If you do not receive or are unable to collect the products you ordered. If you do not receive delivery or are unable to collect the products you ordered from us, kindly contact us and allow us to investigate.
8.14 Cancellations. Unless otherwise set out in the Supabaza Terms, in the event:
(a) we cancel your Order; or
(b) you cancel your Order in accordance with and under the circumstances expressly permitted under the Supabaza Terms,
we will refund any payments we have received from you pertaining to the affected Order, less a service fee of RM2 per item for our efforts, to you. You will receive your refund, if any, within 30 business days from cancellation of your Order.
If we have not received any payments from you pertaining to the affected Order, you are to pay us a service fee of RM2 per item in the Order within 10 days of receiving written notice of such service fee. We reserve the sole and absolute discretion to blacklist you from purchasing from us and/or using the Services if you fail to make payment within the specified timeframe.
You acknowledge that, in the event we cancel your Order (for any reason whatsoever), our liability to you is limited to the refund of payment less the applicable service fee, as mentioned above.
9. Your right to reject the products in your Order
9.1 Rejection of products. You will be entitled to reject/return products in your Order if and only if they have significant damages, deformations, and/or irregularities (to be determined at our sole and absolute discretion), and this must be done within 3 days after your receipt of the Items. You will not be entitled to reject/return products after this period. Kindly read our FAQ on when you are able to reject/return products and how you may do so. If we determine that you have rejected/returned the products in accordance with these terms, we will refund to you any amount you have paid for the products.
10. Our rights to cancel your Order, terminate your account and/or blacklist you from using our services
10.1 We may cancel your Order, terminate your account and/or blacklist you from using our services. In addition to other terms and conditions mentioned in the Supabaza Terms, we may cancel your Order, terminate your Account and/or blacklist you from using the Services if:
(a) you provide false or misleading information when creating your Account or using our Services;
(b) you breach any provisions in the Supabaza Terms;
(c) you use the Services for any prohibited uses as specified in clauses 15.2 and 16.5; or
(d) any other reason as we may determine at our sole and absolute discretion.
You will not be entitled to any damages, or claims whatsoever in the event we exercise our rights under this clause. In the event of 10.1(a), (b) or (c), you will not be entitled to any refunds as well.
11. If there is a problem with the products you received
11.1 How to tell us about problems. If you have any questions or complaints about the products you received, please contact us. You can telephone us at 019-706-0312 or write to us at email@example.com.
12. Price and payment
12.1 Where to find the price for our products and taxes. The prices of our products (which includes sales tax, if chargeable) are indicated on our product listings. Should you place an order, the price applicable for each item (inclusive of sales tax, if chargeable) would be the price listed in your order confirmation/receipt. For orders by customers in Singapore, additional taxes and duties may apply, which shall be borne by you.
12.2 What happens if we got the price wrong. There is a possibility that some of the products we sell may be incorrectly priced OR subject to price fluctuations due to the changing demand and supply of such products or potential price controls set by the authorities. In such scenarios, we reserve the sole and absolute discretion to cancel your Order of such products without any penalty to us. If we cancel your Order, any payment we have received from you for the Order will be fully refunded to you.
12.3 When you must pay and how you must pay. You must pay for the items in your order with cash when we deliver them to you or when you collect them from our collection agents. You will not be able to receive or collect any items in your order until you have made payment for it in full.
13.1 THE SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY US OF ANY KIND EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW,WE DO NOT WARRANT THAT THE SERVICES, OR THE FUNCTIONS CONTAINED THEREIN WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT SERVICES OR THE SERVER THAT MAKES THE SAME AVAILABLE ARE FREE OF VIRUSES, CLOCKS, TIMERS, COUNTERS, WORMS, SOFTWARE LOCKS, DROP DEAD DEVICES, TROJAN-HORSES, ROUTINGS, TRAP DOORS, TIME BOMBS OR ANY OTHER HARMFUL CODES, INSTRUCTIONS, PROGRAMS OR COMPONENTS.
13.2 YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE SERVICES REMAINS WITH YOU TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
13.3 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DO NOT GUARANTEE OR ACCEPT ANY RESPONSIBILITY FOR THE FITNESS FOR PURPOSE, EXISTENCE, QUALITY, SAFETY OR LEGALITY OF THE PRODUCTS AVAILABLE VIA THE SERVICES.
13.4 YOU ACKNOWLEDGE THAT WE SHALL NOT BE LIABLE FOR ANY ACTS OR OMISSIONS OF OUR COLLECTION AND DELIVERY AGENTS.
14. EXCLUSIONS AND LIMITATIONS OF LIABILITY
14.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY), OR OTHER CAUSE OF ACTION AT LAW, IN EQUITY, BY STATUTE OR OTHERWISE, FOR:
(a) (A) LOSS OF USE; (B) LOSS OF PROFITS; (C) LOSS OF REVENUES; (D) LOSS OF DATA; (E) LOSS OF GOOD WILL; OR (F) FAILURE TO REALISE ANTICIPATED SAVINGS, IN EACH CASE WHETHER DIRECT OR INDIRECT; OR
(b) ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RESULTING THEREFROM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
14.2 YOU ACKNOWLEDGE AND AGREE THAT YOUR ONLY RIGHT WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE SERVICES OR YOUR ORDERS IS TO REQUEST FOR A REFUND OF YOUR ORDERS, TERMINATION OF YOUR ACCOUNT AND/OR DISCONTINUE ANY USE OF THE SERVICES.
14.3 IF, NOTWITHSTANDING THE PREVIOUS SECTIONS, WE ARE FOUND BY A COURT OF COMPETENT JURISDICTION TO BE LIABLE (INCLUDING FOR GROSS NEGLIGENCE), THEN, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR LIABILITY TO YOU OR TO ANY THIRD PARTY IS LIMITED TO RM200.
14.4 NOTHING IN THE SUPABAZA TERMS SHALL LIMIT OR EXCLUDE ANY LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR WILFUL NEGLIGENCE, FOR FRAUD OR FOR ANY OTHER LIABILITY ON OUR PART THAT CANNOT BE LAWFULLY LIMITED AND/OR EXCLUDED.
15. Prohibited Use
15.1 Use of the Services. You shall use the Services in compliance with the Supabaza Terms.
15.2 Prohibited Uses. You shall not use the Services:
(a) to commit or encourage a criminal offence or the breach of any laws in any jurisdiction;
(b) to engage in activities or submitting User-Generated Content that solicit personal information for unlawful purposes from other Users;
(c) to transmit or distribute a virus, trojan, worm, logic bomb, keystroke logger, spyware, or any other material which is malicious, technologically harmful, in breach of confidence, in breach of personal data protection laws in any jurisdiction, or in any way offensive or obscene;
(d) in any manner that could damage, disable, overburden or impair any of our servers, the networks connected to our servers, or interfere with any other users’ access and use of the Services;
(e) to attempt to gain unauthorized access to the Services, other user’s Accounts, computer systems or networks connected to our servers, or information not intentionally made available on or through the Services, through hacking, password mining or any other means;
(f) to interfere with the proper operational integrity of the Services or any other activities conducted on the Services;
(g) to remove, circumvent, disable, damage or otherwise interfere with security-related features of the Services;
(h) to license, sub-license, sell, re-sell, transfer, assign, distribute or otherwise commercially exploit or make available to any unauthorized third-party the Services in any way;
(i) to link to, mirror, or frame any portion of the Services;
(j) to cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Services;
(k) to decompile, reverse engineer, or disassemble the Services;
(l) to corrupt, mine or steal any data from the Services or their users;
(m) to cause annoyance to other users of the Services;
(n) to infringe upon the rights of any other person’s proprietary rights; or
(o) to send any unsolicited advertising or promotional material, i.e. spam;
and any of the breaches above are grounds for immediate termination of your Account or the provision of the Services to you.
15.3 No liability. WE WILL NOT BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE YOU HAVE SUFFERED, CAUSED DIRECTLY OR INDIRECTLY BY YOUR BREACH OF THE SUPABAZA TERMS OR DUE TO YOUR IMPROPER USE OF THE SERVICES.
16. Supabaza Application
16.1 App compatibility with your device. We do not warrant that the App will be compatible with your device.
16.2 Your right to use the App. We grant you a non-exclusive, non-transferable, revocable licence to use a copy of the App.
16.3 Our App may contain defects. You acknowledge that complex applications like the App are never wholly free from security vulnerabilities and may contain defects. We give no warranty or representation that the App will be wholly secure and/or free from defects, and shall not be responsible or liable for any defects.
16.4 The App requires access to the internet to be functional. You acknowledge that the App requires access to the internet to be fully functional. We shall not be responsible for reduced or non-functionality of the App resulting from poor or lack of internet connection on your device, or from the lack of resources, capability or required specifications on your device.
16.5 Prohibited uses of the App. You shall not:
(a) modify, disassemble, decompile or reverse engineer the App;
(b) rent, lease, loan, resell, sublicense, distribute or otherwise transfer the App to any third-party or use the App to provide time sharing or similar services for any third-party;
(c) make any copies of the App; or
(d) remove, circumvent, disable, damage or otherwise interfere with security-related features of the App, features that prevent or restrict use or copying of any content accessible through the App, or features that enforce limitations on use of the App.
16.6 New versions of the App. We may from time to time release new versions of the App. It shall be your responsibility to update the App, and we may automatically update the version of the App that you are using on your device. You may not be able to use the App until the App is updated. You consent to such automatic updating of the App on your device, and that we will not be liable to you for any loss of data, delays or downtime due to such updates.
17. Digital Content and User-Generated Content
17.1 Digital Content on the Services.
(a) We reserve the right, but shall not be obliged to monitor, screen or otherwise control any activity, content or material on the Services.
(b) We may in our sole and absolute discretion, investigate any violation of the Supabaza Terms and may take any action we deem appropriate to:
(i) prevent or restrict access of any users to the Services;
(ii) report any activity we suspect to be in violation of any applicable law, statute or regulation to the appropriate authorities and to co-operate with such authorities;
(iii) to request any information and data from you in connection with your use of the Services at any time; and
(iv) to exercise our right under this paragraph 17.1(b)(i) if you refuse to divulge such information and/or data or if you provide or if we have reasonable grounds to suspect that you have provided inaccurate, misleading or fraudulent information and/or data.
17.2 You are responsible for what you upload or post on the Services. Parts of the Services enable you to provide feedback, reviews, text, photos, audio, video, information, or other content (collectively “User-Generated Content”). You shall be solely responsible for User-Generated Content that you upload, publish, post, or submit on the Services, and the consequences of uploading, publishing, posting, or submitting such User-Generated Content on the Services. You warrant and represent that you have the necessary licences, rights, consents, and permissions to upload, publish, post, or submit your User-Generated Content on the Services. You agree to not submit User-Generated Content that is defamatory, libelous, hateful, violent, obscene, pornographic, unlawful, hateful, dangerous, threatening, misleading, contain nudity or sexual content, that violates or infringes intellectual property or privacy rights of any third party, or User-Generated Content that may be construed as constituting harassment and cyber bullying or that could endanger a person, or User-Generated Content that we, in our sole and absolute discretion, deem not suitable for publishing on the Services. You further agree that your User-Generated Content will not contain third-party copyrighted material, or material that is subject to other third-party proprietary rights, unless you have written permission from the rightful owner of the material to do so.
17.3 We can remove or delete your User-Generated Content. We reserve the right to remove and delete any User-Generated Content, based on our sole and absolute discretion, without notice to you. We shall not be liable to you for any losses or damage suffered by you arising directly or indirectly from any deletion or removal of User-Generated Content.
17.4 What we can do with your User-Generated Content. You grant us a non-exclusive, worldwide, royalty-free, irrevocable, perpetual, sub-licensable and transferable licence to copy, modify, prepare derivative works of, distribute, publish and otherwise exploit your User-Generated Content, without limitation.
18. Trademark and Copyright
18.1 Our intellectual property rights. All intellectual property rights, whether registered or unregistered, in the Services, and design or information content on the Services, including, but not limited to, text, graphics, software, photos, video, music, sound, and their selection and arrangement, and all software compilations, underlying source code and software (collectively referred to as “Intellectual Property”) shall remain our property or where applicable, our affiliates or third party Intellectual Property owners. The entire contents of the Services also are protected by copyright as a collective work under Malaysian copyright laws and international conventions. All rights are reserved.
18.2 What you cannot do with our Intellectual Property. No part or parts of the Services may be reproduced, reverse engineered, decompiled, disassembled, separated, altered, distributed, republished, displayed, broadcasted, hyperlinked, mirrored, framed, transferred or transmitted in any manner or by any means or stored in an information retrieval system or installed on any servers, system or equipment without our prior written permission or that of the relevant Intellectual Property owners. No party accessing the Services shall claim any right, title or interest therein. Permission will only be granted to you to download, print or use the Intellectual Property for personal and non-commercial uses, provided that you do not modify the Intellectual Property and that we or the relevant copyright owners retain all copyright to the Intellectual Property contained in the Materials.
19. Third Party Sites and Information
19.1 Linking to third party sites. The Services may link you to other sites on the internet or otherwise include references to information, documents, software, materials and/or services provided by other third parties which are beyond our control. These third-party sites may contain information or material that some people may find inappropriate or offensive. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such third party sites, nor are we responsible for errors or omissions in any references to other parties or their items and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either express or implied.
20. Other important terms
20.1 We may transfer this agreement to someone else. We may, in our sole and absolute discretion, transfer our rights and obligations under the Supabaza Terms to another organisation.
20.2 You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under the Supabaza Terms to another person if we agree to this in writing.
20.3 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of the Supabaza Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
20.4 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under the Supabaza Terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to allow you to make Orders, we can still require you to make the payment at a later date.
20.5 Which laws apply to this contract and where you may bring legal proceedings. Any dispute or claim arising out of or in connection with a contract between us or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Malaysia and the courts of Malaysia shall have exclusive jurisdiction to settle any such dispute or claim.