T&Cs - Ding

Progresif Sdn Bhd is approved by the Brunei Darussalam Central Bank (“BDCB”) under
the Notice No.PSO/N-1/2020/1 On Requirements for Payment Systems as a payment
service operator to carry on the business of account issuance services, merchant
acquiring services and e-money issuance service (approval no. PS-004).These Terms & Conditions stated herein governing the use of the Progresif Wallet (“ding!”) constitute a legal agreement between the user (“you”) and Progresif Sdn Bhd (“Progresif”) and incorporate any other terms and conditions which may be expressly stated in the terms governing the use of the Progresif CARE+ application, mobile Prepaid and mobile Postpaid (“the Agreement”). By using the Progresif CARE+ application supplied to you by the Company to establish an account with Progresif and use ding! (the “Service”), you hereby expressly acknowledge and agree to be bound by these Terms and Conditions, and any future amendments and additions to these Terms and Conditions as published from time to time at www.progresif.com or through the Progresif CARE+ application (“the Application”), and your continued use of the Service after any such changes, whether or not reviewed by you, shall constitute your consent and acceptance of the revised Terms and Conditions.
You further agree to the representations made by yourself below. If you do not agree to
or fall within these Terms and Conditions and wish to discontinue using the Service,
please do not continue using the Progresif CARE+ application or the Service.

1. Eligibility for ding!
1.1 Progresif is required to comply with all applicable laws, regulations, notices and
guidelines issued by the relevant government and regulatory authority, including but not
limited to the Criminal Asset Recovery Order, 2012.
1.2 Pursuant to such applicable laws, regulations, notices and guidelines, you may be
required to provide to Progresif such data to allow Progresif to establish and verify your
identity both at the time of opening the ding! Account, at periodic intervals after opening
the ding! Account and on an on-going basis.
1.3 You hereby acknowledge and agree that Progresif may collect such data on request,
and use, disclose, share and process such data you hereby acknowledge and agree that Progresif may collect such data on request, and use, disclose, share and process such data provided for the purposes of establishing your identity and implementing an
ongoing monitoring program to ensure the adherence of Progresif and the user to the
applicable laws, regulations, notices and guidelines, together with sharing such data
internally with its affiliates and with third-party outsources (both in Brunei Darussalam
and overseas), as well as in relation to transfers and reporting of such data and your
transactions to the BDCB, and such other government or regulatory authority as
Progresif may deem appropriate or as may be required under any applicable laws,
regulations, notices and guidelines. You hereby acknowledge and agree that the data
collected shall be stored for as long as reasonably necessary to comply with the
requirements of the BDCB, and such other government or regulatory authority as the
Company may deem appropriate or as may be required under any applicable laws,
regulations, notices and guidelines.
1.4 You acknowledge and agree that before you are eligible to access and use Ding, you are required to satisfy all the criteria set forth in these Terms, as may be amended from time to time by Progresif in its sole and absolute discretion, and to have successfully passed all identification checks, due diligence and other checks, screenings and verifications (including for anti-fraud, anti-terrorism, countering the financing of terrorism (“CFT”) and anti-money laundering (“AML”)).
1.5 You agree that you will cooperate in relation to any anti-money laundering and
countering terrorism financing screening that is required and to assist the Company in
complying with any applicable laws, regulations, notices and guidelines in place. If you
have any difficulties in relation to your completion of the process to establish and verify
your identity, please contact us by calling our Customer Care Line at 177.
1.6 You acknowledge, agree and warrant that you are, and will at all times be, in
compliance with the following:
1.6.1 you are eighteen (18) years of age or above. If you are eighteen (18) years of age
and a parent or legal guardian, your child of below eighteen (18) years (“Minor”) may
register for a ding! Account and use the Services, with your consent. Notwithstanding
the foregoing, you shall be wholly responsible for the Minor’s use of the Application
and/or the Services;
1.6.2 if you are below eighteen (18) years (“Minor”), you must have obtained consent
from your parent or legal guardian prior to registration. Notwithstanding the foregoing,
your parent or legal guardian shall be wholly responsible for the Minor’s use of the
Application and/or the Service.
1.6.3 you shall register for and have in force a valid ding! Wallet Account and shall
comply with these Terms and all terms and conditions governing the use of ding!
Services, and your access to and use of the Application have not been suspended or
terminated for any reason whatsoever; and
1.6.4 you are not in arrears of any payment due to Progresif.
1.7 In the event any of the criteria in these Terms and Conditions have not been satisfied or ceases to be satisfied at any time whatsoever, and/or any provision of these Terms is not complied with, and/or you fail to successfully pass any identification check, due diligence and/or other check, screening and/or verification (including for anti-fraud,
anti-terrorism, CFT and AML purposes) which Progresif in its sole and absolute
discretion considers necessary, or if at any time, Progresif, at its sole and absolute
discretion, suspects any fraud in relation to, and/or misuse of your ding! Account and/or
the Application, Progresif shall be entitled to suspend or terminate the availability to
you of and/or your access to and/or use of your ding! Account (in whole or in part), the
Application (in whole or in part) and/or procure the suspension or termination of the
availability to you of and/or your access to and/or use of any other Application
Services.

2. Terminology
“ding! Services” or “the Service” Means such electronic wallet products and services as may be effected or obtained through the use of the Application and as listed in Clause
3.10 below “ding! Account” or “ding! Wallet” Means the wallet account offered by Progresif: i) through which the holder of such account may, inter alia, effect and obtain ding! Services, subject to these Terms; and ii) for the purposes of containing electronic
moneys (“e-money”), which e-moneys is capable of being used by you to carry out such transactions as Progresif may from time to time specify (including those which may be made pursuant to ding! Services)
“Merchants” who is for the time being recognized by Progresif as a registered
merchant who has entered into a merchant services agreement (or such other equivalent agreement) with Progresif to accept payment for product(s) or service(s) effected through the Application;
"National Digital Payments Network Sdn Bhd" or "NDPX" is a company incorporated in Brunei Darussalam and established with the objective of enabling instant payments across Brunei Darussalam through the tarus Scheme;
“PIN” means a personal identification number, which is created when you sign up for ding! Services
“Personal Data” means information about you, from which you are identifiable, directly or indirectly, including but not limited to your name, identification card number, birth certificate number, passport number, nationality, address, telephone number, credit or debit card details, race, gender, date of birth, email address, any information about you which you have provided to Progresif by any means and/or any information about you that has been or may be collected, stored, used and processed by Progresif.
"tarus Scheme" is a scheme developed by NDPX which facilitates a 24x7 basis near realtime clearing and daily settlements of transactions
3. Registration and Use of ding!
3.1 Progresif retains the sole and absolute discretion to approve or reject any request to
register for the ding! Account in whole or in part, or to impose any conditions
whatsoever to the registration of the ding! Account.
3.2 You may register for ding! Account through the Application.
3.3 You may only register for the ding! Account and access and use the ding! Account
for (and only for) your own behalf and personal use, and not for the benefit or on behalf
of any other person (including natural person or legal person). Any instructions,
confirmation and/or communication sent from your mobile device shall be deemed to
have been sent and/or issued by you irrespective of whether such instructions, confirmations and/or communications were actually set by you or not. You shall be
personally liable and responsible for the use of your ding! Account including but not
limited to all transactions undertaken and/or transacted using the Account once the
said transaction has been authenticated irrespective of whether the transactions is
undertaken and/or transacted by you unless it can be established that such transactions was erroneously transacted due to an error on Progresif’s part.
3.4 Without prejudice to the foregoing, you shall not assist, cause, permit or authorize
any other person (including natural person or legal person) to access or use your ding!
Account to effect or obtain any ding! Service, including making any payments or carrying out any transactions or other activity pursuant to any ding! Service.
3.5 Where you are not the registered owner of the mobile line linked to the mobile
number you have provided to Progresif in order to register for the ding! Account, you
hereby represent and warrant that you have informed and obtained the consent of the
registered owner to use such mobile number and the mobile line linked to such mobile
number to register for your ding! Account.
3.6 Any request to change the mobile number registered to your ding! Account shall be
subject to any terms, conditions and processes as may be introduced, amended and/or
implemented by Progresif from time to time in relation to the same. Progresif retains the
sole and absolute discretion to approve or reject any such request to change the mobile
number registered to your ding! Account, and to terminate or suspend your access to
and use of the Application and/or your ding! Account upon such rejection.
3.7 If you transfer or “port” your mobile telephone number from us to another mobile
operator, you will be deemed to have cancelled the Service and will no longer be able to
use the Service for your mobile telephone number after the "transfer" or "porting" is
completed. Notwithstanding the above, you will remain responsible and liable for all
transactions carried out through your ding! Account using the Application prior to the
transfer or "port".
3.8 Any access or use of your ding! Account in breach of these Terms and Conditions or
any access or use of your ding! Account for any purpose which is prohibited by any
applicable law and/or direction, order or requirement of any applicable regulatory
authority or law enforcement body shall be void and you shall have no rights under
these Terms in respect of such access and/or use.
3.9 You may only use the Services once your Account has been activated. Once your
ding! Account has been activated, your use of the Application and the Service shall be
strictly in accordance with these Terms and Conditions, and all other applicable terms
and conditions, including the terms and conditions for the Application.
3.10 The ding! Services made available to you via the Application may perform the
following transactions (the “Transactions”):
3.10.1 Wallet Account Top-Up;
3.10.2 Payment Services;
3.10.3 E-Money transfer; and/ or
3.10.4 any other service as may be introduced by us from time to time.
3.11 The Services may also allow you to purchase products and/or services from third
parties including the participating Merchants. Any transaction entered into between you
and such third parties for third party goods and/or services shall also be subject to any
terms and conditions which may be stipulated by such third parties. Any such
transactions are entered into at your own risk and you acknowledge and agree that
Progresif shall not take any responsibility and/or liability for the products and/or services offered by the third parties to you including but not limited to the delivery, quality (including any defects or deficiency in the products and/or services), safety or the fitness for purpose of the products and/or services purchased by you from such
third parties. Progresif shall not be responsible for the refusal of any such third party to
honor or accept your purchases or payment made through the use of the Service. You
further acknowledge and agree that you shall not initiate any legal proceedings against
us for any claim you may have against such third parties.
3.12 In using the Application and the Services:
3.12.1 upon linking a credit/debit card to your ding! Account, you shall be solely
responsible for all wallet loading transactions that may occur;
3.12.2 in the event of claims, chargebacks, or a reversal of payment for transactions
made via ding!, including credit card transactions made through a financial institution,
Progresif reserves the right to (i) determine the appropriate party to incur the burden of
such claims, chargebacks or reversals and where applicable to recover any amounts
due to Progresif; or (ii) clawback the amount from your Account or by any other way it
deems fit in its sole discretion;
3.12.3 for claims, chargebacks or a reversal of payment for credit card transactions
made through a debit/credit card issuer, you shall be responsible to resolve any
disputes with the debit/credit card issuer on your own;
3.12.4 you authorise the deduction of e-money and/or funds from your ding! Account
and the deposit of e-money and/or funds into your Account to carry out the relevant
transactions;
3.12.5 your use of the Service is subject to the Wallet Limit and the Monthly Transaction
Limit (as defined below) applicable to your ding! Account. This qualification includes
but is not limited to you being restricted and/or prohibited from performing a wallet topup transaction or receiving an e-money transfer whereby the total amount in your ding!
Account will exceed your Wallet Limit; and
3.12.6 you are to ensure that there is sufficient available balance in your ding! Account
before using the Service to cover the total cost of the transaction failing which Progresif
reserves the right to block, reject or decline the transaction to be transacted through
your Account.
3.13 You will need to use your PIN and such other details relating to your ding! Account,
as Progresif may from time to time, required to access and use the Application. You are
responsible for safekeeping and maintaining the confidentiality of your PIN and all
details of your ding! Account. You must not disclose to any person your PIN and all
details of your ding! Account and shall not assist, cause, permit or authorize any person
to use your PIN or ding! Account for any purpose whatsoever. You shall take such
measures as may be necessary and all due care to protect your PIN and ding! Account
against misuse by third parties.
3.14 You shall promptly notify Progresif upon discovering that there has been any:
3.14.1 inappropriate or unauthorized disclosure of and/or use of your PIN and/or any
details of your ding! Account; and/or
3.14.2 inappropriate or unauthorized access to and/or use of the Application and/or any
ding! Service effected using your PIN and/or any details of your ding! Account.
and you shall promptly take such steps as may be specified by Progresif in relation to
the foregoing matters (including to change your PIN).
3.15 You are solely responsible and liable for any access to and use of the Application
or any Ding Service effected through the use of your PIN and/or any details of your ding! Account, notwithstanding that your PIN or such details may have been used by any other person without your knowledge or authority.
3.16 The record of all Transactions authenticated through the transaction PIN number
and mobile device number registered for the ding! Account shall be binding and conclusive evidence of your Transactions. Any information, instructions and/or
confirmation sent from your mobile device via the ding! Account shall be deemed to
have been issued by you notwithstanding that such information, instructions and/or
confirmation may have been issued by a third party, whether authorised or otherwise,
Progresif shall deem that the ding! Services has been accessed legitimately and the
Transactions conducted shall be valid. Progresif shall not entertain any request to
reverse any wrongful Transactions authenticated through the Transaction PIN number
and mobile device / mobile number registered for the Account.
3.17 You agree to immediately notify Progresif of any fraudulent activity or theft of funds
in your ding! Account of which you become aware. Progresif has the right to suspend, or
later reverse, the processing of any transaction where it suspects that the transaction
may be fraudulent, illegal or involves any criminal activity or where Progresif reasonably
believes you to be in breach of these Terms and Conditions. 
3.18 Your ding! Wallet is not a depository account and does not earn interest or other
earnings
3.19 You may load funds to your ding! Wallet via the following funding sources to make
payments via the ding! Service:
3.19.1 by adding any credit or debit card;
3.19.2 by charging funds to your monthly Mobile Postpaid bill;
3.19.3 by transferring funds from your Mobile Prepaid credit; or
3.19.4 by any other methods of loading funds into your ding! Wallet as made applicable
on the Application.
3.20 You agree and acknowledge that by loading funds via clause 3.19.2 and 3.19.3
above, Progresif shall be entitled to collect payment from You by:
3.20.1 directly debiting your mobile prepaid balance if you are a prepaid customer; or
3.20.2 if you are a postpaid customer, you will see the charges on your monthly phone
bill.
3.21 Progresif shall not be liable for any delay in or for failure to perform obligations
under this agreement if that delay or failure is caused by circumstances beyond
Progresif’s control or by a third party.
Wallet Type, Wallet Limit and Functionality
3.22 The maximum amount that you may load to and maintain the ding! Wallet in any
given month shall be BND2,000.00 (“Wallet Limit”). Progresif will reject your request to
load your ding! Wallet, or reject a payment transaction, or refund a payment or other
transaction, where your proposed loading would cause the aggregate applicable loading
limit to the ding! Wallet to exceed any value permitted under the prevailing laws and
regulations and/or these Terms and Conditions.
3.23 There are monthly spending limits imposed by Progresif for your purchases made
using your ding! Account (“Monthly Transaction Limit”) and Progresif reserves the right
to change these rights from time to time. The imposition of the Wallet Limit and Monthly
Transaction Limit is to avoid any fraudulent, illegal or unlawful transactions including
but not limited to breaches of regulation and guidelines under Notice No.PSO/N1/2020/1 On Requirements for Payment Systems or Criminal Asset Recovery Order, 2012.
3.24 Notwithstanding the above, Progresif may request additional documents or
information from you in the future for purposes of activating your ding! wallet and/or
increasing your wallet balance and transaction limits. Progresif reserve all rights to
refuse, reject and/or decline your application at our sole and absolute discretion
without assigning any reasons whatsoever, and our decision shall be final and
conclusive.
3.25 Tarus Transfer Feature: As part of the Service, Progresif introduces the Tarus
Transfer feature, effective on 12 March 2025, allowing users to transfer e-money to any
other participating e-wallet users domestically through the tarus Scheme operated by
NDPX. By using your ding! Wallet, you acknowledge and consent to your wallet being
registered with NDPX’s Central Addressing System (“CAS”). This registration enables
other wallet users to locate and transfer funds to your ding! Wallet using your registered
mobile number. The information shared with CAS for this purpose includes, but is not
limited to, your full name, ding! wallet alias and identity card number. If you do not wish
to be part of the Tarus Transfer feature, you may opt out by calling our customer care
line at 177. However, opting out may limit your ability to receive funds via Tarus Transfer.
4. Charges
Progresif shall be entitled to at any time impose fees and charges on you, and to change and/or amend such fees and/or charges payable, for your access to and use of the Application or any ding! Services (including but not limited to your registration for and top up of ding! Wallet Account), any reactivation or termination of the provision of
and/or your access and/or use of the Application and/or your ding! Account and/or for
refund of any payment amount (or part thereof) or of the unused balance, in accordance
with these Terms. The quantum of such fees and charges shall be as determined by
Progresif. The imposition of such fees and charges, and any changes and amendments,
shall be effective upon posting on the Progresif website or on such date as may be
otherwise stated. Your continued access to and use of the Application and/or your ding!
Wallet Account shall be deemed to be your conclusive acceptance of such fees and
charges, and changes and amendments to such fees and charges (if any).
5. Disputes, Refunds and Returns
5.1 You are fully responsible for all goods and services purchased when you make any
payment through your ding! Account or anytime when you authorize and authenticate
amounts to be deducted from your ding! Account. You shall be fully responsible for
ensuring that the transaction amount is correct.
5.2 If your ding! Wallet Account has been incorrectly debited or if you wish to dispute
any transactions made on your ding! Wallet Account, you must notify us within fourteen
(14) days from the date of the disputed transaction, failing which you shall be deemed
to have accepted the accuracy of your transaction. Notification can be made by calling
our Customer Care Line at 177.
5.3 Requests for refunds for goods and services purchased from our Merchants must be made directly with the Merchants subject to the Merchants’ respective terms and
refund policies. Progresif is not responsible to settle any dispute that you may have with
our Merchants for the purchase of goods and services using Service. You shall be
responsible to contact the respective merchants for a refund of the goods or services
purchases from the Merchant. We will only apply for a refund or credit your ding!
Account in relation to any purchases only if directed to do so by the respective
Merchants.
5.4 You and agree and consent to the use by Progresif and/or its employees, personnel
and advisors of any information related to you, the particulars of the transaction(s) or
any designated account relating to the transaction(s) for the purpose of investigating
any claim or dispute arising out of or in connection with the disputed transaction(s) and
that this consent shall survive the termination of the Service and/or this Agreement. You
further agree that in the event of a dispute or claim of any nature arising in respect of
any transaction, the records of the transaction(s) generated by Progresif shall be used
as a reference and shall be the sole basis of settling the aforesaid dispute or claim.
5.5 Progresif reserves the right not to refund any disputed amount to you if Progresif
believes that you have acted contrary to these Terms and Conditions.
5.6 In the event the Service is ceased, terminated or suspended by Progresif due to
fraudulent, illegal or unlawful transactions including but not limited to breaches of any
law, you shall not be entitled to obtain any refund of the available balance whatsoever
and it shall be lawful for Progresif to retain for an indefinite period or release to the
relevant authorities the available balance in accordance with applicable legislation,
regulation and/or guidelines. You shall not be entitled to claim any form of
compensation for any loss arising therefrom.
6. Progresif’s Rights
6.1 Progresif reserves the right to make any alteration or changes to the Service, or any
part thereof, or suspend or terminate the Service or any part thereof without prior notice
and Progresif shall not be liable for any loss or inconvenience to you resulting therefrom.
6.2 Progresif reserves the right at its absolute discretion, from time to time, to vary, add
to or otherwise amend these Terms and Conditions in accordance with Clause 12.1
hereof
6.3 Unless otherwise notified by you, you agree that Progresif may send you notifications relating to promotional and marketing activities from time to time. You may
opt out from receiving any promotional or marketing messages from Progresif by
unsubscribing via email or contacting our Customer Care Line at 177.
6.4 Progresif may extract any details or personal information or any other data from you
which is required to be used as evidence in court and/or when necessary in the event of
a suspected and or proven misuse of the Service.
6.5 Progresif may run campaigns/contest or promotions in relation to the Service as
may be notified to you from time to time. You agree that your participation in such
campaign/contest/promotion shall be subject to the specific terms conditions of such
campaign/contest/promotion.
6.6 You agree that by using the Services, you are giving consent to Progresif that the
information collected by Progresif from you (“Personal Data”) will be used and/or
disclosed in accordance to these Terms and Conditions.
6.7 Progresif may request for additional information or documentation at any time and
for any reason, including but not limited to confirming your identity, age and/or to
confirm your bank details or debit, credit cards, proof of employment, source of funds,
etc. You agree that you will provide such information and/or documentation promptly to
Progresif upon request. If you do not provide such information and/or documentation
promptly, Progresif may, without any liability to you, either limit your use of the Services
or suspend or close your Account.
7. Termination and Suspension
7.1 If Progresif reasonably suspects that you may be engaging in any of the restricted
activities as set out in these Terms & Conditions and Terms & Conditions of the
Application or may be in breach of any of the representations, warranties, these Terms
and Conditions, and any accompanying terms and conditions to the Services, where
applicable, Progresif may, without any liability to you, take the following action(s) as we
deem necessary:
7.1.1 report any suspicious or illegal activity to the relevant authorities;
7.1.2 cancel or refuse any transactions;
7.1.3 suspend or close your ding! Account or terminate this Agreement and/or the
Service or part thereof provided to you;
7.1.4 withhold/forfeit, withdraw any cash back/monies/reward which may release/have
released to you pursuant to any promotion, campaign/activities/refund process;
7.1.5 apply, at our sole discretion, prevention and detection procedures and refuse the
execution of transactions; or
7.1.6 take further steps as we, in our reasonable discretion, may deem necessary,
including taking legal action against you.
7.2 Notwithstanding anything to the contrary, Progresif may at any time, for any reason
whatsoever and without any liability to you:
7.2.1 suspend the Services or part thereof provided to you; and/or
7.2.2 terminate this Agreement and/or the Services or part thereof provided to you, by
giving written notice to you.
7.3 If Progresif terminates or suspends the Service or any part thereof pursuant to
Clause 7.1, Progresif shall not be obliged to refund the available balance (if any) until
and unless clearance has been obtained from the relevant authorities or Progresif
management, if applicable.
7.4 If you do not effect any transactions from your ding! Wallet for more than twelve (12)
months, and there are no funds remaining in your Account, Progresif may in its
discretion treat your account as dormant and may suspend your ding! Account. If your
ding! Account is suspended, you should contact Progresif’s customer support team to
reactivate your Account. Progresif will reactivate your Account at its sole discretion and
subject to Progresif’s prevailing policies and procedures. For the avoidance of doubt,
the suspension of your Account shall not affect your Progresif mobile services.
7.5 In the event your ding! Account and/or any or all of the Services have been
suspended and you request for reactivation of the same, Progresif may at its absolute
discretion reactivate the Account and/or Service subject to any requirements as may be
determined by Progresif. You may request for your account to be suspended or
unsuspected by calling our Customer Care Line at 177.
7.6 Termination of this Agreement for any reason shall not release You from any liability
which, at the time of such termination, has already accrued to Progresif or which is
attributable to a period prior to such termination nor preclude Progresif from pursuing
any rights and remedies it may have hereunder or at law or in equity with respect to any
breach of this Agreement.
8. Personal Data
8.1 All Personal Data that you provide to Progresif shall be collected, used and
disclosed and/or processed in accordance with these Terms & Conditions set forth
herein.
8.2 For the avoidance of doubt, your Personal Data may be used for the purposes of
fulfillment of our rights and your obligations under these Terms & Conditions, which
include (but are not limited to):
8.2.1 to provide you with the Service pursuant to the Terms & Conditions;
8.2.2 to develop, enhance and provide what is required pursuant to these Terms and
Conditions to meet your needs;
8.2.3 to conduct due diligence checks, AML/CFT assessments, and risk analysis, credit
assessment or evaluation with credit bureaus or other credit reporting organisations
and suitability assessments for the Service or for any other similar financial product
that you may be eligible for or request from Progresif;
8.2.4 if applicable, carrying out credit checks and retrieving credit information from
CROs to process your assessments for the Service, or any other similar financial
products that you may be eligible for or request from Progresif; and
8.2.5 in accordance with any applicable laws and these Terms and Conditions
permitting the use, collection, disclosure and processing of Personal Data.
8.3 In addition to the above, Progresif may wish to communicate with you either by
email, telephone or text message in relation to the following matters (the “Marketing
Purposes”):
1. to process your participation in any events, promotions, activities, focus groups,
research studies, contests, promotions, polls, surveys or any productions and to
communicate with you regarding your attendance thereto;
1. to send you alerts, newsletters, updates, mailers, promotional materials, special
privileges, festive greetings from Progresif, its partners, advertisers and or
sponsors;
1. to notify and invite you to events or activities organized by Progresif, its partners,
advertisers, and or sponsors; and/or
1. to share your Personal Data amongst Progresif’s agents, third party providers,
developers, advertisers, partners, event companies or sponsors who may
communicate with you for any reasons whatsoever.
8.4 If you do not consent to Progresif processing your Personal Data for any of the
Marketing Purposes, please notify us by contacting our Customer Care Line at 177.
8.5 Central Addressing System (CAS) Registration for Tarus Transfer: As part of the Tarus Transfer feature, Progresif will share limited Personal Data (including full name, ding! wallet alias and identity card number) with NDPX’s Central Addressing System (CAS) to facilitate seamless e-money transfers. Your data will be used solely for the purpose of enabling Tarus Transfer and will be protected under applicable data protection regulations. By continuing to use Ding! Wallet after the effective date of this feature, you agree to this data sharing arrangement. If you wish to opt out, you may do so following the process outlined in Clause 3.25.
9. Intellectual Property Rights
9.1 The Intellectual Property Rights in respect of all materials including without
limitation all current and future copyrights, patent, trademarks, rights in databases,
inventions or trade secrets, know-how, rights in designs, integrated circuit,
topographies, trade and business names, domain names, get up, arks and devices
(whether such applications can be made) which are capable of being protected and/or
enforced in Brunei Darussalam and/or any relevant country of the world, any brand
names, trademarks, services, products, hardware and software shall remain vested in
the party originating or which has acquired the same. For clarity purposes, all trademarks used on the Application and/or the Services are the trademarks of Progresif
unless specified otherwise.
9.2 You acknowledge and agree that the Services and the Application are protected by
copyrights, trademarks, service marks, patents, or other proprietary rights and laws. All
rights are expressly reserved.
9.3 You are only allowed to use the Application and the Services as set out in these
Terms and Conditions and where applicable, in any accompanying terms and
conditions to such Services which can be found at https://www.progresif.com/termsconditions (which may be updated from time to time, and nothing on the Application
and/or the Services shall be construed as conferring any license or other transfer of
rights to you of any intellectual property of other proprietary rights of Progresif.
10.Warranties and Disclaimer
10.1 The Application and Service are provided here under “as is” and “as available”
basis.
10.2 Except as expressly set out in these Terms & Conditions, all representations,
conditions and warranties (whether express or implied, statutory or otherwise)
including but not limited to the availability, accessibility, timeliness and uninterrupted
use of the Application and Service; sequence, accuracy, completeness, timeliness or
the security of any data or information provided to you as part of the Service; any
implied warranty of merchantability; any implied warranty of fitness for a particular
purpose; any implied warranty of non-infringement; and any implied warranty arising
out of the course of dealing, custom or usage of trade with respect to the Service
provided by Progresif are expressly excluded. The representations, conditions and
warranties set forth in this Agreement with respect to the Services and Applications are
the only representations, conditions and warranties made by Progresif and will not be
enlarged or diminished without Progresif’s prior written approval.
11. Indemnification and Liability
11.1 By agreeing to these Terms and Conditions upon using the Service, you agree that
you shall defend, indemnify and hold Progresif, its subsidiaries, affiliates, officers,
directors, members, employees, attorneys and agents harmless from and against any
and all claims, costs, damages, losses, liabilities and expenses (including legal fees and
costs and/or regulatory action) arising out of or in connection with:
11.1.1 your use of the Service and/or the Application;
11.1.2 your violation or breach of any of these Terms and Conditions or any applicable
law or regulation, whether or not referenced herein;
11.1.3 your violation of any rights of any third party
11.1.3 your misuse of the Service and/or the Application.
11.2 Progresif shall not be liable for any liability, loss, damages, cost and/or expenses
(whether direct or indirect) or for loss of revenue, loss of business, loss of profits or any
consequential or indirect loss whatsoever as a result of your use and/or misuse of the
Service.
11.3 Progresif shall not be liable for any special, indirect or consequential damages or
any damages whatsoever, whether in an action of contract, negligence or other tortious
action, arising out of, or in connection with the performance of, or use of Services,
available on the Application.
11.4 Notwithstanding anything to the contrary contained herein, Progresif’s maximum
liability shall not exceed an amount equivalent to the aggregate sum of the available
balance of your ding! Account at the date on which your claim arises.
12. General
12.1 Progresif may change any of these terms of use from time to time. Any such change will be posted on our website and it is Your responsibility to check these Terms and Conditions. Notwithstanding the foregoing, Progresif will provide you ten (10) business days’ notice of any changes, which Progresif in its reasonable discretion deems material, to these Terms and Conditions following which your continued use of the Service will be deemed to confirm your acceptance of such changes.
12.2 If any of the terms contained in this Agreement are held to be invalid or unenforceable in whole or in part, the invalid or unenforceable wording shall be deemed
omitted without affecting or impairing the validity and enforeceability of the rest of the
Agreement.
12.3 This Agreement may be assigned by Progresif.
12.4 Failure by either party to exercise or enforce any right conferred by these Terms
against the other party shall not be or deemed to be a waiver of any such right or in any
way prejudice any right of that party under these Terms.
12.5 Nothing in this Agreement shall create, or be deemed to create, the relationship of
principal and agent or a joint venture or partnership between the parties.
12.7 Progresif does not own the copyright, trademarks, services marks or other marks of the Merchants. These marks are owned and registered by their respective owners.
12.8 You may not transfer or assign pre-payments or any of Your rights and
responsibilities under this Agreement.
12.9 These Terms shall be subject to and construed in accordance with the laws of
Brunei Darussalam and You hereby submit to the exclusive jurisdiction of the courts of
Brunei Darussalam.

Last Updated: 12 March 2025