Terms of Service: Web3 Wallet

Last modified: 4 October 2024

Important – please read these terms carefully. By using the Service (as defined below), you agree that you have read, understood, accepted and agreed with the Terms of Service. You further agree to the representations made by yourself below. If you do not agree to or fall within the Terms of Service and wish to discontinue using the Service, please do not continue using the Application (as defined below) or the Service.

The Terms of Service stated herein (collectively, the “Terms of Use” or this “Agreement”) constitute a legal agreement between you (“you” or the “User”) and GPAY NETWORK (S) PTE. LTD. (the “Company”). Notwithstanding this, the Service may be carried out by Grab’s affiliates(s) which shall be solely responsible to ensure that the obligations are carried out in accordance with this Agreement. The Company and its subsidiaries, affiliates, associated companies and jointly controlled entities shall collectively be referred to as “Grab”.

By using the Grab mobile application supplied to you by the Company’s affiliated company/ies (the “Application”) or any other relevant platform or electronic communication (collectively, the “Grab Platform”), and downloading, installing or using any associated software supplied by the Company (the “Software”) which overall purpose is to enable persons seeking to establish an account with the Company and use the Service, you hereby expressly acknowledge and agree to be bound by these Terms of Use, and any future amendments and additions to these Terms of Use as published from time to time at https://www.grab.com/sg/ or through 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 of Use. Notwithstanding the foregoing, the Company will provide ten (10) business days’ notice of any changes, which the Company in its reasonable discretion deems material, to these Terms of Use following which your continued use of the Service will be deemed to confirm your acceptance of such changes.

Consumer advisory – Consumers (Users) are advised to read the terms and conditions (i.e. these Terms of Use) carefully. The Company holds a Major Payment Institution Licence (Licence No. PS20200167) issued by the Monetary Authority of Singapore in respect of cross-border money transfer, e-money issuance, account issuance, merchant acquisition and domestic money transfer services. Currently, the Company is operating on an exemption from the Monetary Authority of Singapore to provide digital payment token service under the Payment Services Act 2019. 

1. Service Description

1.1 The Company provides access to a blockchain wallet to the Users (“Web3 Wallet”) within the Grab Platform, for the Users to store, send, receive, transfer, track, and manage digital assets and tokens that are created and recorded on a blockchain or distributed ledger, provided that these digital tokens are:

(a) available for use in, or are compatible with the Web3 Wallet, and are set out on the Grab Platform or notified to you from time to time (“Supported Digital Token”); and

(b) transacted on blockchain networks and protocols that are available for use in, or are compatible with the Web3 Wallet and are set out on the Grab Platform or notified to you from time to time, (“Supported Protocol”),

and which can be used or spent at participating Third Party Providers (as defined below) (generally, the “Service”).

1.2 For the avoidance of doubt, the Supported Digital Tokens are held separately from the fiat currency or the GrabPay Credits (as defined in the GrabPay Terms of Use), which are held in the GrabPay Wallet (as defined in the GrabPay Terms of Use). Your continued use of the Service shall constitute your consent and acceptance of the Terms of Use including GrabPay Terms of Use.

1.3 For the purpose of these Terms of Use, wherever the context so requires:

(a) “Coercive Activities” means any activities that employ threats, violence, fraud or other comparable actions for the purposes of coercion, reputational damage or other malicious purposes.

(b) “Organized Crime Affiliate” means any current or former member of an organized or specialized crime group, extortionist or racketeer group, radical political group, or similar group, or any person or entity that is influenced by, funds, assists, or otherwise has a material relationship with any such member.

(c) “Third Party Provider” means an independent third party who provides goods and/or services to Users. Third Party Providers include but are not limited to Grab’s driver and delivery partners , Grab’s merchant partners, and/or other third party merchants, whichever applicable.

(d) “Third Party Partner” means a third party partner who provides software or other technology used for the Company to provide the Service.

(e) “Restricted Person” refers to a person who is on the Denied Person List or the Entity List issued by the U.S. Department of Commerce, or the Specially Designated Nationals and Blocked Persons List issued by OFAC, or such other list of restricted person issued or enforced by the U.S. Government or the Monetary Authority of Singapore.

(f) “Restricted Territory” means a region, territory, country or jurisdiction subject to Sanctions.

(g) “Sanctions” refers to any applicable laws, regulations, orders, judgments, decisions, rules, policies, or guidelines passed or issued by any governmental or regulatory authority or any competent court imposing sanctions, restrictions, or prohibitions on financial transactions or other business dealings that is administered or enforced by the U.S. Government (including the U.S. Department of Treasury’s Office of Foreign Assets Control (OFAC), the U.S. Department of Commerce, or the U.S. Department of State and including designation as a “specially designated national” or blocked person), the United Nations Security Council, and all other relevant international sanctions authority, including any executive orders issued in relation to the imposition of sanctions.

(h) “Sanctions Target” means any person that is (i) included on any list of designated persons maintained by any regulatory authority pursuant to Sanctions, (ii) organized, located or resident in a Restricted Territory, or (iii) otherwise the target of any Sanctions such that a person is prohibited from dealing with such person, including as a result of being owned or controlled by any person or persons described in the foregoing subsection (i) or (ii).

2. Use of the Service

2.1 The Service is currently only available to Users of the Grab Platform who have fulfilled the eligibility conditions determined by the Company from time to time. Notwithstanding this, the Company reserves the right to reject any participation from any User at its sole and absolute discretion without assigning any reason whatsoever.

2.2 As a User of the Service, you are responsible for all activities that occur with respect to your use of the Service, regardless whether the activities are authorized by you or undertaken by you or a third party (including your contractor, agents or other Users) and Grab is not responsible for unauthorized access to the Service or your Web3 Wallet, including any access that occurred as a result of fraud, phishing, or other criminal activity perpetrated against you by third parties. You will ensure that the use of the Service does not violate any applicable law.

2.3 As a User of the Service, you acknowledge and accept that you may be subject to additional terms and conditions imposed by either the issuer of the Supported Digital Token, operator of the Supported Protocol, a Third Party Provider, or any other third party, which may be applicable to specific Supported Digital Token held by you in your Web3 Wallet.

2.4 As a User, you agree that Grab reserves the right to impose such limits, restrictions and/or further conditions to your access to and use of the Service. You further agree that the Company reserves the rights, as it deems necessary, among others, to:

(a) change the deposit, withdrawal, storage or transfer limits on your Web3 Wallet;

(b) change, suspend, or discontinue any aspect of the Service at any time, including availability of any feature without notice and without liability;

(c) delay, suspend or reject any Transaction if the Company believes that such Transaction is suspicious, may involve fraud or misconduct, violates applicable laws or violates any term of this Agreement; or

(d) block certain blockchain addresses that it determines, in its sole discretion, are associated with illegal activity or activity that violates the terms of this Agreement (“Blocked Address”). In the event that you send Supported Digital Tokens to a Blocked Address or receive Supported Digital Tokens from a Blocked Address, the Company may take such necessary actions, including but not limited to freezing your Web3 Wallet or suspending further transactions from your Web3 Wallet, and/or take steps to terminate your account in accordance with applicable laws. In certain circumstances, the Company may deem it necessary to report such suspected illegal activity to applicable law enforcement agencies. You may be required to cooperate with the Company and/or the relevant authorities with the investigation and disposal of the affected Supported Digital Tokens in order to resume normal usage of the Web3 Wallet.

2.5 The Company may determine not to make the Services, in whole or in part, available in every market or jurisdiction, either in its sole discretion or due to legal or regulatory requirements, depending on your location.

2.6 The Company may, in its sole discretion, make unscheduled deployments of changes, updates or enhancements to the Service at any time. The Company may add or remove functionalities or features and may discontinue the Service altogether. Depending on your device settings, the Company or Grab may automatically check your version of the Application and if necessary or applicable for the purpose of the Service, automatically download to your device the new versions of the Service.

2.7 By using the Service, you acknowledge that the Company does not control any blockchain protocol, nor does the Company control any smart contract.

3. Use of the Web3 Wallet

3.1 The Company shall provide access to a Web3 Wallet for each User who is eligible for the Service, to hold, send, receive or transfer Supported Digital Tokens on Supported Protocols or to engage in any other permitted activity (“Transactions”).  

3.2 In order to access the Web3 Wallet and perform a Transaction, four private cryptographic key shares are required to be associated with each User’s Web3 Wallet: the Company and Third Party Partner will each have a key share, and the remaining two keys are created by and controlled by the User: (a) one key share is the User’s password that the User will need to create in order to set up User’s Web3 Wallet (“Web3 PIN” or “User Key”); and (b) the other key share is the User’s secret recovery phrase(s) (which may be in the form of question(s) and answer(s)) which the User can use to recover their Web3 Wallet access (“Recovery Method”). As a User, you are required to set up your own Web3 PIN and Recovery Method. Please note that the Web3 PIN is different and separate from your Grab account’s password (“Grab PIN”).  

3.3 Three of four key shares are required in order to send, transfer or receive the Supported Digital Tokens in the Web3 Wallet. For each User’s protection, the User Key is always required for transaction signing. For the avoidance of doubt, neither the Company nor the Third Party Partner will be able to control the User’s Web3 Wallet or the Supporting Digital Tokens within, whether independently or through collusion.

3.4 As a User, you acknowledge and agree that you have full control and are solely responsible to keep and retain your Web3 PIN and Recovery Method securely. The Company does not store or have access to your Web3 PIN and Recovery Method. Your Web3 Wallet may be disabled temporarily if you fail to provide the correct Web3 PIN within the specified number of attempts as determined by the Company. The Recovery Method is your only way to recover access to your Web3 Wallet if you forget your Web3 PIN. You may lose access to your Web3 Wallet and Supported Digital Tokens if you forget your Recovery Method.

3.5 Your Web3 PIN, GrabPIN, and Recovery Method are strictly confidential. You are solely responsible for the use and security of your Web3 PIN, Grab PIN, and Recovery Method and the Company will not be held responsible if you share your Web3 PIN, Grab PIN, and Recovery Method with anyone else, whether knowingly or unknowingly. You further acknowledge and agree to maintain the security of your Web3 PIN, Grab PIN, and Recovery Method. You shall not disclose your Web3 PIN, Grab PIN, or Recovery Method to Grab or to any person under any circumstances or by whatever means, failing which you shall be fully responsible and liable for all Transactions effected by the use of your Web3 PIN whether with or without your knowledge and authority. The Company will not be able to cancel, reverse or refund any Transaction where your Web3 PIN has been used, either by you or by a third party with access to it. If you keep a record of your Web3 PIN, you are responsible for securing the record in an electronic or physical location known only to yourself that is unlikely to be found by any other person(s). The Company will not be liable for any loss or damage arising from your failure to protect your account information.

3.6 You are solely responsible to protect access to your Web3 Wallet by minimally, but not limited to, patching your device’s operating system with regular security and software updates by the legitimate and authorized operating system provider, installing and maintaining latest anti-virus software on the device(s) used, where applicable and use strong Web3 PIN, Grab PIN and Recovery Method.

3.7 If your Web3 PIN is compromised or suspected to be exposed to another person, you must promptly change your Web3 PIN. You agree to (a) notify the Company immediately if you become aware of any unauthorized use of your Web3 Wallet, the Service, or any other breach of security regarding the Service or your Web3 Wallet; and (b) allow the Company to disable your Web3 Wallet temporarily for further investigation. The Company will not be responsible for, and you must indemnify the Company from, any liability arising from any unauthorized use or access of or security breaches relating to your Web3 Wallet.

3.8 By using this Service, you agree and acknowledge that the Company makes available the Web3 Wallet to each eligible User, and designates each User’s Web3 Wallet as the User’s own distinct and individual customer account. In this respect, all digital assets and tokens held within the User’s Web3 Wallet are held solely on behalf of the User.  As a User, you agree and acknowledge that you retain complete title and ownership of all the digital assets and tokens contained within your respective Web3 Wallet.

4. Supported Digital Tokens; Transactions 

4.1 As a User, you retain title and ownership of the Supported Digital Tokens held in your Web3 Wallet. As the owner of the Supported Digital Tokens in your Web3 Wallet, you are solely responsible for complying with applicable laws in relation to your ownership and use of your Supported Digital Tokens and you shall bear the risk of loss of such Supported Digital Tokens. The Company has no liability for any Supported Digital Token fluctuations in value. Except as may be otherwise agreed in writing between you and the Company, none of the Supported Digital Tokens in your Web3 Wallet are the property of, or shall or may be loaned to, the Company or Grab. Except as required by a valid court order, or except as provided for herein, the Company will not sell, transfer, loan, or otherwise alienate Supported Digital Tokens in your Web3 Wallet unless specifically instructed by you in accordance with the terms of this Agreement.

4.2 When using the Service, you will have access to information regarding your balances, type and amount of Supported Digital Tokens in your Web3 Wallet, individual transactions and fees (if any).

4.3 The Service you access and use through is intended for and may only be used with Supported Digital Tokens on Supported Protocols only. Among other things, the Service may not function correctly when used with other unsupported digital assets or networks. The Company shall have no liability to you for any loss, damage or interruption caused by your attempt to use the Service for other digital assets.

4.4 The Supported Digital Token may be programmed using smart contracts to have certain in-built rules or conditions that will be automatically executed when such rules or conditions are met. The rules or conditions may be notified to you within the Grab Platform by the Company, however it is your responsibility to fulfill the conditions embedded therein in order to use or transact such Supported Digital Token. The Company will not be liable for any loss, damage, or interruptions caused by your failure to meet the rules or conditions of such Supported Digital Token.

4.5 When you send Supported Digital Tokens from your Web3 Wallet to another Web3 Wallet or any other blockchain wallet or when you use the Supported Digital Token from your Web3 Wallet for the purchase of any goods or services from eligible merchants for this Service, such transfer is executed at your instruction by the Company (“Outbound Transfer”). You are responsible for executing the Outbound Transfer properly, which may include, among other things, payment of a fee (if applicable) in order for the Outbound Transfer to be successful. You should verify all transaction information prior to submitting instructions to the Company. The Company shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address. The Company does not guarantee the identity or value received by a recipient of such Outbound Transfer.

4.6 When you receive Supported Digital Tokens from a third party into your Web3 Wallet (“Inbound Transfer”), the person initiating the Inbound Transfer is solely responsible for executing the Inbound Transfer properly, which may include, among other things, payment of a fee (if applicable) and verifying whether the Inbound Transfer comprises digital asset or tokens supportable by the Company, in order for the Inbound Transfer to be successful.

4.7 If applicable, the failure to pay the abovementioned fee(s) may cause an Outbound or Inbound Transfer to remain in a pending state outside of the Company’s control and the Company is not responsible for delays or losses incurred as a result of an error in the initiation of the Outbound Transfer or Inbound Transfer and have no obligation to assist in the remediation of such transactions. 

4.8 Transfer of a Supported Digital Token cannot be cancelled, reversed or refunded once it has been broadcast to the relevant blockchain, although it may be in a pending state, and designated accordingly, while the transfer is processed by network operators. The Company will not have any responsibility or liability if you have instructed the Company to send Supported Digital Token to an address that is incorrect, improperly formatted, erroneous or intended for a different type of digital asset, or to which the Company has informed you not to send the Supported Digital Token.

4.9 The Company does not control any blockchain or the Supported Protocol and makes no guarantee that a transfer of Supported Digital Token will be confirmed by a Supported Protocol. The Company may refuse to process or cancel any pending Outbound Transfer as required by law or any court or other authority to which the Company or Grab is subject in any jurisdiction. Additionally, the Company may require you to wait some amount of time after completion of a transfer of Supported Digital Token before permitting you to use further Service and/or before permitting you to engage in any Transaction beyond certain volume limits.

4.10 If you attempt to transfer to and from your Web3 Wallet any digital assets that are not the Supported Digital Tokens, such digital assets may be permanently lost. The Company will not be responsible if you lose digital assets due to any such attempted transfer or due to your transfer of Supported Digital Token or other digital asset to an incorrect address.

4.11 If you attempt to use the Service for any digital assets other than the Supported Digital Token on any networks other than the Supported Protocol in violation of this Agreement, you are solely responsible for the payment of any applicable network fees associated with the applicable digital assets. If you do not have sufficient digital assets to pay such fees, you may not be able to complete any transactions using such other digital assets. The Company shall have no liability to you for your use of the Service in violation of this Agreement.

4.12 You agree, represent, and warrant that all Outbound and Inbound Transfers are not the direct or indirect proceeds of any criminal or fraudulent activity. The Company reserves the right to investigate the source of any funds in your account and determine, in its sole discretion, how to handle their disposition. Following the Company’s review of any funds in question and the circumstances by which you received them, the Company may determine that you are not the owner of such funds. If such a determination is made, the Company reserves the right to dispose of these funds in accordance with applicable laws and regulations and in its sole discretion, which may include, but is not limited to, returning them to the destination of their origin.

4.13 When any Transaction occurs using your credentials, the Company will assume that you authorized such Transaction, unless you notify the Company otherwise. If you believe you did not authorize a particular Transaction or that a Transaction was incorrectly carried out, you must contact the Company as soon as possible. It is important that you regularly check your Web3 Wallet balances and your transaction history regularly to ensure you notify the Company as soon as practicable after receipt of any transaction notification alert of any unauthorized or incorrect transactions. The Company is not responsible for any claim for unauthorized or incorrect Transactions if you have acted or been suspected of acting fraudulently, delayed notifying us in accordance with this Clause, voluntarily disclosing your Web3 PIN, Grab PIN or Recovery Method to any other person(s) or failed in protecting confidentiality of your Web3 PIN, Grab PIN or Recovery Method. Notwithstanding the above, the Company is also not responsible or liable if it fails to cancel, revoke or refund the User for any unauthorised or incorrect Transaction, whether fraudulent or otherwise or whether notified to us or otherwise.

4.14 You are responsible for enabling transaction notification alerts for the Web3 Wallet and monitoring the transaction notifications sent by the Company to identify any unauthorized transactions. The Company is not liable to resend any transaction notifications delivered or to provide reminders to any User to monitor the transaction notifications.

4.15 The Company does not own or control the Supported Protocols which govern the operations of the Supported Digital Tokens. As a User, you acknowledge and agree that (a) the Service and the Supported Digital Tokens are subject to changes in Supported Protocol rules; (b) the Company is not responsible for operation of the Supported Protocols and that the Company makes no guarantee of their functionality, security or availability; (c) the Company may suspend or disable the Service in the event of such change; and (d) the Company may decide not to support the new changed protocols entirely or may configure the Service to enable you to transfer the affected Supported Digital Tokens.

4.16 You further agree that (a) the Company is not responsible for the regulatory status or treatment in any jurisdiction of any Supported Digital Token that you may access or transact using the Service; (b) you alone are responsible for any Transactions that you engage (whether or not authorized by you); and (c) the Company or any Third Party Partner may refuse, limit, condition, or suspend any support for any Supported Digital Token if the Company or any Third Party Partner is required to do so under law or under the direction of a regulatory authority.

5. Disclaimers; Risks

5.1 Using the Service to send, receive, transfer, or hold Supported Digital Tokens or engage in any other permitted activity involves risks associated with using cryptographic and blockchain-based systems. By using the Service, you accept all risks of and losses due to sending, receiving, transferring, trading, holding or otherwise transacting with the Supported Digital Token on the Supported Protocol through the Service. It is your duty to learn about all the risks involved with digital assets, their protocols and networks. The Company has no responsibility and is not liable to alert you to all the risks.

5.2 By using the Service, you acknowledge and accept these risks and that the Company accepts no responsibility in relation to these matters. You further understand and accept that:

(a) The Company is not responsible for any service provided by the Third Party Partner, Third Party Providers or any other third party;

(b) the blockchain protocols present their own risk of use, that supporting or participating in the protocol may result in losses if your participation violates certain protocol rules;

(c) the protocol upgrades may inadvertently contain bugs or security vulnerabilities that may ultimately result in loss of functionality and funds;

(d) that blockchain-based transactions are irreversible;

(e) that your Web3 PIN and secret Recovery Method must be kept secret at all times and that the Company will not store a backup of, nor will be able to discover or recover your Web3 PIN or secret Recovery Method;

(f) that digitally copying and storing your Web3 PIN and secret Recovery Method on a cloud storage system or other third party supported data storage, including your personal device may increase the risk of loss or theft; or

(g) that you are solely responsible for any approval or permissions you knowingly or unknowingly provide by signing Transaction using your Web3 PIN.

5.3 You understand and accept that digital assets such as the Supported Digital Tokens can present market volatility risk, technical software risks and cybersecurity risks. The value of digital assets, in particular digital assets that are not fully fiat-collateralised stablecoins, can increase or decrease unexpectedly such that you may lose some or all the value in your Supported Digital Tokens. A Transaction may be unconfirmed for a period of time and may never be complete if it remains in a pending state. You may also lose your Supported Digital Tokens and will not be able to recover them if you send or transfer the Supported Digital Tokens to another wallet that is not supported by the Service or not compatible with the Supported Digital Tokens. The Company has no control over, and makes no representation regarding the value of any digital assets, or the security of their networks or protocols.

5.4 Without limitation of the Agreement, you acknowledge and agree that:

(a) neither the Company, Grab or any service provider to these entities, screens, evaluates, pre-vets, guarantees the functionality of, or provides assurance of any kind regarding any Supported Digital Tokens (or its underlying smart contract or related price data from third parties;

(b) the Company or Grab shall not be liable for any errant or unexpected behaviour of a Supported Digital Token smart contract;

(c) specific protocols related to the Supported Digital Tokens may differ;

(d) your continued use of the Supported Digital Token may depend on elements beyond the Company’s control, including applicable protocols; and

(e) you are solely responsible for complying with applicable laws relating to your ownership and use of your Supported Digital Tokens. The Company reserves the right to discontinue supporting any Supported Digital Tokens due to legal, regulatory or reputational reasons (as determined by the Company in its discretion), and on written notice to you, you agree to promptly retrieve any such Supported Digital Token.

5.5 You acknowledge that the data in your Web3 Wallet (including the Supported Digital Tokens) may be lost permanently or corrupted or temporarily unavailable due to software failures, viruses or other harmful materials, protocol changes by third party providers, internet outages, force majeure events or other disasters, scheduled or unscheduled maintenance, or other causes either within or outside of Grab’s control. The Company will not be liable for any loss, damage, or interruptions caused by any computer virus, spyware or other malware that may affect your computer, device or other equipment or any phishing spoofing or other attack.

5.6 The Supported Digital Tokens are not subject to any regulatory or consumer protection scheme or arrangement for protection against any risk, losses, damages or any other claim, including but not limited to the Singapore deposit insurance scheme. You acknowledge and agree that the Company shall be under no obligation or duty to have in place or maintain any insurance or any other protection scheme or arrangement to insure or otherwise protect you against any risk, loss, damage or any other claim you may incur or suffer through the Service.

6. Establishing Your Identity

6.1 In your use of the Service, the Company may be required to establish and verify your identity, or the identity of the beneficial owner of the Service pursuant to applicable laws, regulations, notices and guidelines. The Company may therefore require you to provide your identification documents or collect your personal information for this purpose. 

6.2 You hereby acknowledge that the Company may collect such data on request, and use such data provided for the purposes of establishing your identity and implementing an ongoing monitoring program to ensure the adherence of the Company and the User to the applicable laws, regulations, notices and guidelines, together with sharing such data internally with its affiliates and with third-party outsourcees (both in Singapore and overseas), as well as in relation to transfers and reporting of such data and your Transactions to the Monetary Authority of Singapore, 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.

6.3 The Company reserves the right to refuse the provision of the Service to any person who fails to or refuses to comply with any request for identification for the use of the Service.

6.4 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. Further you agree that you are not a Politically Exposed Person as such term is defined under MAS Notice PSN01, and in the event that you become such Politically Exposed Person you agree to inform the Company immediately.

7. Representations, Warranties, and Undertakings 

7.1 By accessing or using the Service, you further represent and warrant that:

(a) you are legally entitled to accept and agree to this Agreement and that you have the right, authority and capacity to use the Service and to abide by this Agreement;

(b) you are at least eighteen (18) years of age or have express consent of your parent(s) or legal guardian for the use of the Application, Software and the Service. By granting consent or permission to access to and use of the Service, the parents or legal guardians are deemed (i) to be responsible over your minor’s activities, and (ii) have agreed to this Agreement on behalf of your minor;

(c) all information provided to the Company pursuant to this Agreement is true, accurate and not misleading in any respect. If any such information changes, it is your obligation to update such information as soon as possible;

(d) your use of the Service is for your own sole personal use. You undertake not to authorize others to use your identity or User status, and you may not assign or otherwise transfer your User account to any other person or entity;

(e) you agree to comply with all applicable laws whether in Singapore or otherwise in the country, state and city in which you are present while using the Service;

(f) You may only access the Service using authorized means. It is your responsibility to check and ensure that you have downloaded the correct Software for your device. The Company is not liable if you do not have a compatible device or if you have downloaded the wrong version of the Software to your device. The Company reserves the right not to permit you to use the Service should you use the Application and/or the Software with an incompatible or unauthorized device or for purposes other than which the Software and/or the Application is intended to be used;

(g) you are not listed on the Monetary Authority of Singapore’s Lists of Designated Individuals and Entities or the U.S. Treasury Office of Foreign Assets Control’s (OFAC) Specially Designated Nationals and Blocked Persons List; and

(h) you are not an Organized Crime Affiliate, a Restricted Person, a Sanctions Target nor are you a resident of a Restricted Territory.

7.2 By using the Software or the Application, you agree and undertake that:

(a) You will only use the Application, Software and Service for the purpose for which it is intended to be used and will not use it for purposes other than obtaining the Service;

(b) You will not use the Application, Software or Service (i) for Coercive Activities; (ii) for sending or storing any unlawful material or for fraudulent purposes; (iii) in a manner that is fraudulent, unlawful, deceptive or abusive; or (iv) to cause nuisance, annoyance, or inconvenience;

(c) You will not engage in any Transactions using the Web3 Wallet involving or benefitting any Restricted Person, Restricted Territory or Sanctions Target;

(d) You will not, nor encourage or assist any third party to (i) use any unauthorised means to gain access to the Service or use any automated process or service (such as bot, a spider or periodic caching of information stored by the Company) to access or use the Service, or distribute instructions, software or tools for that purpose; or (ii) commit any illegal activity or violation of these Terms of Use or legal rights;

(e) You will not interfere with or disrupt servers or networks used by the Company to provide the Service, damage, disable, overburden or impair the proper operation of the network or try to harm the Service, the Application and/or the Software in any way whatsoever;

(f) You will not copy, or distribute the Software and/or the Application or other content on the Grab Platform without written permission from the Company;

(g) You will only use the Software and/or the Application for your own use and will not resell it to a third party;

(h) You will keep secure and confidential your security passwords or any identification we provide you which allows access to the Service;

(i) You will not engage in any unlawful or fraudulent activity or perpetrate a hoax or engage in phishing schemes or forgery or other similar falsification or manipulation of data;

(j) You will not send unsolicited or unauthorized junk mail, spam, chain letters, pyramid schemes or any other form of duplicative or unsolicited messages, whether commercial or otherwise; or advertise or promote a commercial product unless your account is subject to a separate contract governing that relationship between you and the Company or Grab;

(k) You will provide the Company with proof of identity as it may reasonably request or require;

(l) You acknowledge and agree that only one (1) Web3 Wallet account can be registered on one mobile phone or other electronic device operating the Application;

(m) You will not use the account of another user at any time except by a mechanism provided by the Company or Grab and authorised by such user;

(n) You agree to provide accurate, current and complete information as required for the Service and undertake the responsibility to maintain and update your information in a timely manner to keep it accurate, current and complete at all times during the term of this Agreement. You agree that the Company may rely on your information as accurate, current and complete. You acknowledge that if your information is untrue, inaccurate, not current or incomplete in any respect, the Company has the right but not the obligation to terminate this Agreement and your use of the Service at any time with or without notice;

(o) You will only use an access point or device which you are authorized to use to access the Web3 Wallet;

(p) You shall not employ any means to defraud the Company or enrich yourself, through any means, whether fraudulent or otherwise, through any event, promotion or campaign launched by the Company to encourage new subscription or usage of the Service by new or existing consumers;

(q) You agree that the Service is provided on a reasonable effort basis; and

(r) You agree to abide by the Acceptable Use Policy (as set out below) in relation to your use of the Service.

8. Acceptable Use Policy 

8.1 You agree to assume full responsibility and liability for all loss or damage suffered by yourself, the Company or any third party as a result of any breach of the Terms of Use.

8.2 You will only use the Service for lawful purposes and you agree not to use the Service in such a manner that you violate any law, statute, ordinance or regulation.

8.3 Save as permitted by the Company but subject always to applicable laws and regulations, you agree not to perform Transactions using the Web3 Wallet involving:

(a) Any form of criminal or illegal activity including but not limited to, money laundering, terrorist financing, human trafficking or political corruption;

(b) Adult media depicting or related to illegal activity such as child pornography, rape, incest, etc;

(c) Any goods or services promoting hate, violence, harm or intolerance in any form;

(d) Any goods or services subject to UN Security Council’s sanctions;

(e) Branded, trademarked or copyrighted goods of any kind unless the seller is the intellectual property / copyright holder or licensee;

(f) Circumvention services, devices or software used to circumvent the law or remove copyright protections;

(g) Deceptive business practices such as Ponzi / pyramid schemes, multi-level marketing, guaranteed results, investment or trading courses and services;

(h) Flammable, explosive, pyrotechnic, toxic and hazardous materials including but not limited to fireworks, explosives, radioactive materials and substances, gunpowder;

(i) Foreign government entities including but not limited to embassies and consulates;

(j) Fortune tellers, astrology, card reading, tarot, hypnosis and similar services;

(k) Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes;

(l) Government, law enforcement and military issued items including but not limited to uniforms, badges, decorations, unless historical and/or clearly not genuine or official (e.g. toys);

(m) Human parts of any kind, including but not limited to organs, body parts, human remains, body fluids, stem cells, embryos;

(n) Illegal drugs, tobacco or health products. Substances designed to mimic the effects thereof. Related accessories and products used to create or consume them such as bongs, hookahs and similar devices;

(o) Items that encourage, promote, facilitate or instruct others to engage in illegal activity;

(p) Items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of Singapore or any jurisdiction;

(q) Legal and tax consultancy, bankruptcy and any similar services;

(r) Narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety;

(s) No-value-added services of any kind, including but not limited to resale of government offerings without authorization or added value, services that are unfair, deceptive, or predatory towards consumers;

(t) Offering or receiving payments for the purpose of bribery or corruption;

(u) Political, religious, spiritual, charitable and non-profit organizations of any kind;

(v) Products of wildlife trafficking, illegal hunting and poaching of endangered species such as marine mammals, shark fins, rhino horns, ivory, deer musk, bear bile, tiger penis, and any similar products;

(w) Property sharing, timeshares, house-swapping, sub-letting, bed and breakfast and similar businesses;

(x) Sale of social media activity, click farms including but not limited to sale of Facebook likes, Twitter followers, YouTube views;

(y) Sexually oriented materials or services;

(z) Stolen goods including unlawfully acquired or copied digital and virtual goods;

(aa) The personal information of third parties in violation of Singapore law;

(bb) The sales of products or services identified by Singapore government agencies to have a high likelihood of being fraudulent or to be being transacted by the User in violation of Singapore law;

(cc) Unlicensed travel agents; or

(dd) Weapons of any kind including firearms, ammunition, knives, nunchakus and related products, parts or accessories thereof. Weapons or knives regulated under Singapore law. Toys, gift and replicas of any kind resembling closely any of such items.

9. Taxes

9.1 You agree that this Agreement shall be subject to all prevailing statutory taxes, duties, fees, charges and/or costs, however denominated, as may be in force and in connection with any future taxes that may be introduced at any point of time.

9.2 You further agree to use your best efforts to do everything necessary and required by the relevant laws to enable, assist and/or defend the Company to claim or verify any input tax credit, set off, rebate or refund in respect of any taxes paid or payable in connection with the Service supplied under this Agreement.

9.3 You agree that details of your Web3 Wallet account and all transactions thereunder may be provided on request to any tax authorities either in Singapore or overseas where the purpose of such request is the lawful payment of tax obligations and/or the identification of assets for taxation.

10. License Grant and Restrictions

10.1 The Company is a licensee of GrabTaxi Holdings Pte Ltd (Company No. 201316157E) in relation to the Application.

10.2 The Company, Grab and its licensors, including GrabTaxi Holdings Pte. Ltd., where applicable hereby grant you a personal, revocable, non-exclusive, non-transferable, non-assignable, non exclusive limited license to use the Application, Software and/or Service, subject to the Terms of Use herein. All rights not expressly granted to you are reserved by the Company and its licensors.

10.3 You hereby agree that you shall not:

(a) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Application and/or the Software in any way;

(b) modify, alter, tamper with, repair or otherwise make derivative works based on the Application, Software or Service;

(c) create internet “links” to the Application or “frame” or “mirror” the Software on any other server or wireless or internet-based device;

(d) reverse engineer or access the Software in order to (i) build a competitive product or service, (ii) build a product using similar ideas, features, functions or graphics of the Application and/or the Software, or (iii) copy any ideas, features, functions or graphics of the Application and/or the Software;

(e) launch an automated program or script, including, but not limited to, web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses or worms, or any program which may make multiple server requests per second, or unduly burdens or hinders the operation and/or performance of the Application and/or the Software;

(f) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents;

(g) post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior consent of the owner of such proprietary rights; or

(h) remove any copyright, trademark or other proprietary rights notices contained in the Service.

10.4 You may use the Software and/or the Application only for your personal, non-commercial purposes and shall not use the Software and/or the Application to:

(a) send spam or otherwise duplicative or unsolicited messages;

(b) send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortious material, including but not limited to materials harmful to children or violative of third party privacy rights;

(c) send material containing software viruses, worms, Trojan horses, other harmful computer code, files, scripts, agents or programs or other items of a destructive or deceptive nature;

(d) interfere with or disrupt the integrity or performance of the Software and/or the Application or the data contained therein;

(e) attempt to gain unauthorized access to the Software and/or the Application or its related systems or networks;

(f) impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity; or

(g) engage in any conduct that could possibly damage the Company’s reputation or amount to being disreputable.

11. Intellectual Property Ownership

11.1 The Company, Grab and Third Party Partner, where applicable, own all right, title and interest, including all related intellectual property rights, in and to the Software and/or the Application and by extension, the Service and any suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by you or any other party relating to the Service.

11.2 These Terms of Use do not constitute a sale agreement and do not convey to you any rights of ownership in or related to the Service, the Software and/or the Application, or any intellectual property rights owned by the Company and/or its licensors.

11.3 The Company’s name, the Company’s logo, the Service, the Software and/or the Application and the third-party merchants or transportation providers’ logos and the product names associated with the Software and/or the Application are trademarks of the Company, Grab, or third parties, and no right or license is granted to use them.

11.4 For the avoidance of doubt, the term the “Software” and the “Application” herein shall include its respective components, processes and design in its entirety.

12. Data Privacy and Personal Data Protection Policy

12.1 All Personal Data that you provide to Grab shall be collected, used, disclosed and/or processed in accordance with Grab’s Privacy Notice.

12.2 For the avoidance of doubt and without prejudice to the generality of the Privacy Notice, your Personal Data may be used for the purposes of fulfilment of our rights and your obligations under these Terms of Use, which include (but are not limited to):

(a) to provide you the Service pursuant to these Terms of Use herein;

(b) to develop, enhance and provide what is required pursuant to the Terms of Use to meet your needs;

(c) to conduct due diligence checks, anti money laundering / terrorism financing assessments, and risk analysis, credit assessment or evaluation with credit bureaus, alternative credit scoring agencies or other credit reporting organisations (“CROs”) and suitability assessments for the Service or for any other similar financial products that you may be eligible for or request from the Company or Grab;

(d) 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 Grab and;

(e) in accordance with any applicable laws and its Privacy Notice permitting the use, collection, disclosure and processing of Personal Data.

12.3 “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 Grab by any means and/or any information about you that has been or may be collected, stored, used and processed by Grab.

13. Third Party Interactions

13.1 During use of the Service, you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of third-party providers, advertisers or sponsors showing their goods and/or services through the Service, the Software and/or the Application.

13.2 Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third-party.

13.3 The Company, Grab and their licensors shall have no liability, obligation or responsibility for any such correspondence, purchase, transaction or promotion between you and any such third-party.

13.4 The Company does not endorse any applications or sites on the Internet that are linked through the Service, the Application and/or the Software, and in no event, shall the Company, its licensors or the Group be responsible for any content, products, services or other materials on or available from such sites or third-party providers.

13.5 The Company provides the Service to you pursuant to the Terms of Use. You recognize, however, that certain third-party merchants or transportation providers, goods and/or services may require your agreement to additional or different terms of use prior to your use of or access to such goods or services, and the Company is not a party to and disclaims any and all responsibility and/or liability arising from such agreements between you and the third-party providers.

14. Indemnification

14.1 By agreeing to the Terms of Use upon using the Service, you agree that you shall defend, indemnify and hold the Company, Grab, Third Party Partner, their licensors and their officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, investigation, demand, costs, damages, losses, liabilities, expenses (including attorneys’ fees and costs and/or regulatory action) arising out of or in connection with:

(a) your use of the Service, the Software and/or the Application in your dealings with the Third Party Providers, any other third party or partners, advertisers and/or sponsors;

(b) your misuse of the Service, the Software and/or the Application;

(c) your failure to secure your Web3 Wallet, GrabPay Wallet, Grab PIN, Web3 PIN, Recovery Method and any other security credentials, or your sharing of your Web3 Wallet, GrabPay Wallet, Grab PIN, Web3 PIN Recovery Method and any other security credentials with any third party;

(d) your violation or breach of any of the Terms of Use or any applicable law or regulation, whether or not referenced herein; and

(e) your violation of any rights of any third party.

15. Exclusion; Limitation of Liability

15.1 To the maximum extent permitted under applicable law, the Web3 Wallet, the Service, Supported Protocols, Supported Digital Tokens, and any product, service or other item provided by or on behalf of the Company are provided on an “as is” and “as available” basis.

15.2 The Company, Grab and their licensors make no representations or warranties of any kind, whether express, implied, statutory or otherwise regarding the Service or services or content by the Third Party Providers, and the Company expressly disclaims to the highest and maximum extent allowed under Singapore law, and you waive any and all other conditions, representations and warranties of any kind, whether express or implied, including, without limitation, implied warranties of merchantability, satisfactory of quality, fitness for a particular purpose, title or non-infringement or warranties of third party rights, or non-infringement of warranties arising from course of performance, course of dealing or usage in trade. The entire risk arising out of the use or performance of the Service remains with you.

15.3 The Company does not represent or warrant or guarantee as to the reliability, security, timeliness, quality, suitability, availability, accurate or completeness of the Service, the Application and/or the Software or any content, particularly:

(a) the Web3 Wallet, the Service, Supported Protocols or Supported Digital Tokens, are or will be uninterrupted, current, error-free, or free of viruses or other harmful components; or

(b) that requests for transfers of Supported Digital Tokens to and from your Web3 Wallet will be processed within any particular amount of time.

15.4 The Company does not represent or warrant and disclaims all responsibility or liability for:

(a) the use of the Service, the Application and/or the Software will be free of harmful component, or operate in combination with any other hardware, software, system or data;

(b) the Service will meet your requirements or expectations;

(c) any stored data or content will be accurate or reliable, or secure or not otherwise lost or altered;

(d) any harm to your computer or device system, loss of data or other harm that results from your access to or use of the Service or any content;

(e) the deletion of, or the failure to store or to transmit, any content and other communications maintained by the Service;

(f) the quality of any products, services, information, rewards or another material purchased or obtained by you through the Application will meet your requirements or expectations;

(g) errors or defects in the Application and/or the Software will be corrected; and

(h) the Application or the Service that make the application available are free of viruses or other harmful components.

15.5 You acknowledge and agree that you have not relied and are not relying upon any representation or warranty from the Company that is not otherwise in this Agreement or in a separate written agreement between us and you agree you will not take a position in any proceeding that is inconsistent with this Clause.

15.6 The Service, the Application and/or the Software may be subject to limitations, delays and other problems inherent in the use of the internet and electronic communications including the device used by you or other Web3 Wallet Users being faulty, not connected, out of range of mobile signals or functioning incorrectly. The Company is not responsible for any delays, delivery failures, damages or losses resulting from such problems.

15.7 The Company and Grab will have no responsibility or liability for any failure or delay in performance of the Service, or any loss or damage that you may incur, that is due to any circumstance or event beyond the control of the Company and/or Grab, including without limitation any flood, extraordinary weather conditions, earthquake, fire, or other act of God, war, insurrection, riot, labor dispute, accident, action of government, communications interruption, power failure, equipment, server, internet, or software malfunction, security breach or cyberattack, failure of interconnecting and operating systems, criminal acts, market movement, shift, or volatility, or a change in the underlying technology of a particular Supported Digital Token or Supported Protocol.

15.8 To the fullest extent permitted by law, the Company, Grab and their officers, agents, employees, representatives, partners, suppliers or licensors shall not be liable for any claim, loss, damage, data loss, costs or expenses incurred whether direct, indirect, incidental, special, punitive, or consequential (including, without limitation, damages for lost profits, revenue, goodwill, loss of digital asset or user content) however caused, suffered or sustained by you arising from or in connection with you use of the Service, the Application and/or the Software.

16. Suspension or Termination

16.1 The Company reserves the right, to temporarily suspend, disable, or terminate your access to the Service at any time in its sole discretion, with or without cause, and with or without notice, without incurring liability of any kind, including but not limited to where:

(a) the Company reasonably believes that there was actual or suspected violation or breach of this Agreement or fraudulent, illegal or criminal activities;

(b) the Service was used in a manner that may (i) cause the Company, Grab or any third party to have legal liability; or (ii) poses a security risk to the Service or any third party or adversely impact the Application and/or Software or any system of Grab or other third party, or disrupt others’ use of the Service; and

(c) there is scheduled downtime and recurring downtime, or unplanned technical problems and outages.

16.2 Either the Company or you may terminate this Agreement on one month’s notice in writing to the other. However you may not terminate this Agreement if the Company reasonably believes, in its sole discretion, that such termination is being performed in an effort to evade a court order or legal or regulatory investigation or to avoid paying any amounts otherwise due to the Company.

16.3 The Company may also terminate this Agreement immediately (a) if the User is suspended; (b) if the Company’s relationship with the Third Party Partner expires, terminates or requires the Company to change the way it provides the software or technology as part of the Service, or (c) in order to avoid undue risk of violating the laws.

16.4 You hereby agree that this Agreement shall terminate immediately in the event that you are:

(a) declared bankrupt, insolvent or enter into liquidation or such other scheme of arrangement or administration; 

(b) found in default of your debt obligations to a licensed bank by a Singapore court; or

(c) deceased.

In the event of any of the above, the Company reserves the right to deal with any such trustee, executive or representative of the Singapore courts as in its sole discretion is considered appropriate in relation to the administration of any Supported Digital Tokens in the Web3 Wallet.

16.5 For the avoidance of doubt, the Company or Third Party Partner will not be able to move or transfer the Supported Digital Tokens in a User’s Web3 Wallet. In the event of termination, the Supported Digital Tokens may only be sent or transferred out of such User’s Web3 Wallet by that User or a person who has access to either the Web3 PIN or Recovery Method of such User.

17. Customer Support / Complaints

17.1 Users are invited to contact the Company in the first instance in the event they wish to make a report or complaint about the use of the Service either via the following Customer Service line: Tel: +6569021036 or via our Help Centre http://help.grab.com

17.2 You agree to raise any reports on incorrect Service within seven (7) days of you becoming aware of the fraudulent usage of the Service in your name, whichever is earlier.

17.3 You agree to raise any complaints and disputes about incorrect Service within seven calendar days of the transaction for payment of goods and services or within seven calendar days of the person to person transfer of Supported Digital Token.

18. Notices

18.1 The Company may give notice by means of a general notice on the Application, or by electronic mail to your email address in the records of the Company, or by written communication sent by registered mail or pre-paid post to your address in the record of the Company. Such notice shall be deemed to have been given upon the expiration of 48 hours after mailing or posting (if sent by registered mail or pre-paid post) or 1 hour after sending (if sent by email).

18.2 You may give notice to the Company (such notice shall be deemed given when received by the Company) by letter sent by courier or registered mail to the Company using the contact details as provided in the Application.

19. Assignment

19.1 This Agreement as constituted by the Terms of Use as modified from time to time may not be assigned by you without the prior written approval of the Company but may be assigned without your consent by the Company.

19.2 Any purported assignment by you in violation of this section shall be void.

20. Dispute Resolution; Arbitration; Waiver of Class Action

Please read this section carefully.  Both you and the Company are giving up the right to litigate disputes and to participate in litigation as a party or a class member before a judge or jury.

201. Except with respect to disputes related to the enforcement or validity of Company and/or Grab’s intellectual property rights, all disputes, actions, claims or causes of action arising out of or in connection with the Terms of Use or the Service (including the breach, termination, enforcement, interpretation or validity thereof including the determination of the scope or applicability of these terms to arbitrate) shall be referred to the Singapore International Arbitration Centre (“SIAC”), in accordance with the Rules of the SIAC as modified or amended from time to time (the “Rules”) by a sole arbitrator appointed by the mutual agreement of the parties (the “Arbitrator”). If parties are unable to agree on an arbitrator, the Arbitrator shall be appointed by the President of SIAC in accordance with the Rules. The seat and venue of the arbitration shall be Singapore, in the English language and the fees of the Arbitrator shall be borne equally by the parties, provided that the Arbitrator may require that such fees be borne in such other manner as the Arbitrator determines is required in order for this arbitration clause to be enforceable under applicable law.

20.2 You agree that any dispute arising out of or related to these Terms or the Use is personal to you and the Company and that any such dispute will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative proceeding.

20.3 Notwithstanding any other provisions in this Clause to the contrary, either party will at all times be entitled to seek and obtain injunctive relief from infringement or threatened infringement of its intellectual property rights, or misappropriation of its trade secrets, in any court having jurisdiction.

20.4 This arbitration provision shall survive any termination of other terms.

21. General

21.1 This Agreement shall be governed by Singapore law, without regard to the choice or conflicts of law provisions of any jurisdiction.

21.2 No joint venture, partnership, employment, or agency relationship exists between you, the Company or any Third Party Provider as a result of the Terms of Use or use of the Service.

21.3 If any provision of the Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law. This shall, without limitation, also apply to the applicable law and jurisdiction as stipulated above.

21.4 The failure of the Company to enforce any right or provision in the Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by the Company in writing.

21.5 The Company will have no responsibility or liability for any failure or delay in performance of any Service, or any loss or damage that you may incur, that is due to any circumstance or event beyond the control of the Company, including without limitation any flood, extraordinary weather conditions, earthquake, fire, or other act of God, war, insurrection, riot, labor dispute, accident, action of government, communications interruption, power failure, equipment, server, internet, or software malfunction, security breach or cyberattack, failure of interconnecting and operating systems, criminal acts, market movement, shift, or volatility, or a change in the underlying technology of the Service.

21.6 The Terms of Use comprises the entire agreement between you and the Company and supersedes all prior or contemporaneous negotiations or discussions, whether written or oral (if any) between the parties regarding the subject matter contained herein.

Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.