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Earned Wage Access (EWA) Terms and Conditions for Kanz PaydayNow by Xanderia Services Sdn. Bhd.
Introduction
These Earned Wage Access (EWA) terms and conditions ('Terms and Conditions') govern the use of the Kanz PaydayNow EWA product ('Service') offered by Xanderia Services Sdn Bhd ('Xanderia', 'we', 'us', or 'our'). By using the Service, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you may not use the Service.
Service
The Service allows you to access up to 80% of your basic salary ('Advance') before your next payday. The Service fee for each Advance is 6% of the Advance amount. The settlement of the Advance will be made by your employer who will pay the gross amount approved.
Eligibility
To be eligible for the Service, you must be an employee of a company that has partnered with Xanderia to offer the Service. You must also have a bank account to receive the Advance.
Application and Approval
To apply for the Service, you must submit a request through the Kanz PaydayNow app. We will verify your eligibility for the Service and may request additional information, such as your pay slip or bank statement. Once approved, you will receive the Advance in your bank account within 24 hours.
Repayment
The Advance must be repaid in full from your next paycheck. Xanderia will collect the repayment directly from your employer. If the repayment is not made on time, you may be charged additional fees and interest.
Fees and Charges
In addition to the Service fee, you may be charged additional fees if you fail to repay the Advance on time. These fees and charges will be outlined in the Kanz PaydayNow app and in any communication from Xanderia regarding the Service.
Limitation of Liability
Xanderia will not be liable for any losses, damages, or expenses arising from your use of the Service, except to the extent that such liability cannot be excluded or limited by applicable law.
Governing Law
These Terms and Conditions will be governed by and construed in accordance with the laws of Malaysia.
Amendments
Xanderia may amend these Terms and Conditions at any time by posting the amended terms on the Kanz PaydayNow app. Your continued use of the Service after such amendment constitutes your acceptance of the amended terms.
Termination
Xanderia may terminate the Service or your access to the Service at any time without notice or liability.
By using the Kanz PaydayNow EWA product, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.
Earned Wage Access (EWA) Terms and Conditions for Kanz PaydayNow by Xanderia Services Sdn. Bhd.
Introduction
These Earned Wage Access (EWA) terms and conditions ('Terms and Conditions') govern the use of the Kanz PaydayNow EWA product ('Service') offered by Xanderia Services Sdn Bhd ('Xanderia', 'we', 'us', or 'our'). By using the Service, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you may not use the Service.
Service
The Service allows you to access up to 80% of your basic salary ('Advance') before your next payday. The Service fee for each Advance is 6% of the Advance amount. The settlement of the Advance will be made by your employer who will pay the gross amount approved.
Eligibility
To be eligible for the Service, you must be an employee of a company that has partnered with Xanderia to offer the Service. You must also have a bank account to receive the Advance.
Application and Approval
To apply for the Service, you must submit a request through the Kanz PaydayNow app. We will verify your eligibility for the Service and may request additional information, such as your pay slip or bank statement. Once approved, you will receive the Advance in your bank account within 24 hours.
Repayment
The Advance must be repaid in full from your next paycheck. Xanderia will collect the repayment directly from your employer. If the repayment is not made on time, you may be charged additional fees and interest.
Fees and Charges
In addition to the Service fee, you may be charged additional fees if you fail to repay the Advance on time. These fees and charges will be outlined in the Kanz PaydayNow app and in any communication from Xanderia regarding the Service.
Limitation of Liability
Xanderia will not be liable for any losses, damages, or expenses arising from your use of the Service, except to the extent that such liability cannot be excluded or limited by applicable law.
Governing Law
These Terms and Conditions will be governed by and construed in accordance with the laws of Malaysia.
Amendments
Xanderia may amend these Terms and Conditions at any time by posting the amended terms on the Kanz PaydayNow app. Your continued use of the Service after such amendment constitutes your acceptance of the amended terms.
Termination
Xanderia may terminate the Service or your access to the Service at any time without notice or liability.
By using the Kanz PaydayNow EWA product, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.
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